PART FOUR WRITING

SECTION A

Directions: Read the following passage. Fill in the numbered blanks by using the information for the passage. Write NO MORE THAN 3 WORDS for each answer.

On 3 March 2009, a package of reforms about ATM charge designed to improve competition in the Australian ATM system came into effect. Specifically, the reforms have made it easier for new providers of ATM services to enter the market and have provided ATM owners with the freedom to charge customers for the use of ATMs. Furthermore, the reforms have increased the transparency of ATM fees by ensuring that the fee charged by the ATM owner is displayed prior(在…之前) to the transaction(交易) being finished, with the customer given the opportunity to cancel the transaction at no cost.

One element of the reforms is the removal of interchange fees that card issuers paid to ATM owners when cardholders used ATMs that did not belong to their financial institution. These fees were often passed on, with a huge profit, by card issuers to cardholders in the form of a “foreign fee”. With the removal of interchange fees, the cost to card issuers when their customers use an ATM belonging to another unit has fallen, reducing the need to charge “foreign fees”.

Following the reforms, an ATM owner can charge a cardholder directly for an ATM transaction. When the ATM owner charges such a fee, it must be disclosed before the cardholder withdraws the cash or makes a balance enquiry, and it doesn’t apply if the transaction is cancelled before completion. And an ATM owner could impose direct charges on all customers, including its own if it’s also a financial institution.

Before the reforms, an interchange fee was paid by the cardholder’s financial institution to the ATM owner whenever a “foreign” ATM transaction was undertaken. And now the interchange fee paid has been cancelled and, in line with this, foreign fees have also fallen. In some cases, including two of the major banks, foreign fees were reduced to zero.

Title:   71___________

I. Time of 72.         : on 3 March 2009

II. 73.          : to improve competition in the Australian ATM system

III. 74.          :

Making it easier for new 75.           to enter the market

Offering ATM owners the freedom to charge customers for 76.        

77. ________________ of ATM fees

78.____________that card issuers paid to ATM owners when cardholders used ATMs not belonging to their financial institution

A cardholder: being charged directly for an ATM transaction

An ATM owner: being able to 79.           on all customers

   IV. 80.           of interchange fee:

Before the reforms: often being charged by the cardholder’s financial institution

After the reforms: having fallen and some being reduced to zero

PART FOUR WRITING
SECTION A
Directions: Read the following passage. Fill in the numbered blanks by using the information for the passage. Write NO MORE THAN 3 WORDS for each answer.
On 3 March 2009, a package of reforms about ATM charge designed to improve competition in the Australian ATM system came into effect. Specifically, the reforms have made it easier for new providers of ATM services to enter the market and have provided ATM owners with the freedom to charge customers for the use of ATMs. Furthermore, the reforms have increased the transparency of ATM fees by ensuring that the fee charged by the ATM owner is displayed prior(在…之前) to the transaction(交易) being finished, with the customer given the opportunity to cancel the transaction at no cost.
One element of the reforms is the removal of interchange fees that card issuers paid to ATM owners when cardholders used ATMs that did not belong to their financial institution. These fees were often passed on, with a huge profit, by card issuers to cardholders in the form of a “foreign fee”. With the removal of interchange fees, the cost to card issuers when their customers use an ATM belonging to another unit has fallen, reducing the need to charge “foreign fees”.
Following the reforms, an ATM owner can charge a cardholder directly for an ATM transaction. When the ATM owner charges such a fee, it must be disclosed before the cardholder withdraws the cash or makes a balance enquiry, and it doesn’t apply if the transaction is cancelled before completion. And an ATM owner could impose direct charges on all customers, including its own if it’s also a financial institution.
Before the reforms, an interchange fee was paid by the cardholder’s financial institution to the ATM owner whenever a “foreign” ATM transaction was undertaken. And now the interchange fee paid has been cancelled and, in line with this, foreign fees have also fallen. In some cases, including two of the major banks, foreign fees were reduced to zero.
Title:   71___________
I. Time of 72.         : on 3 March 2009
II. 73.         : to improve competition in the Australian ATM system
III. 74.          :
u Making it easier for new 75.          to enter the market
u Offering ATM owners the freedom to charge customers for 76.        
u 77. ________________ of ATM fees
u 78.____________that card issuers paid to ATM owners when cardholders used ATMs not belonging to their financial institution
u A cardholder: being charged directly for an ATM transaction
u An ATM owner: being able to 79.          on all customers
IV. 80.          of interchange fee:
u Before the reforms: often being charged by the cardholder’s financial institution
u After the reforms: having fallen and some being reduced to zero

单词拼写（共10小题，每题1.5分，满分15分）
【小题1】Don’t e_____ your skin to direct sunlight, or you’ll get sunburnt.
【小题2】The scientist often ______(向……投稿) to an academic journal.
【小题3】Only by s_____ training can Liu Xiang make such rapid progress in 110-meter hurdles.
【小题4】If we were too _____(小心的) , we might lose a good business opportunity.
【小题5】The new school is under c_____ and it is said that it will be the biggest one when completed.
【小题6】We have provided seats for the _____(方便) of our customers.
【小题7】Animals in zoos are not in their natural s_____.(环境)
【小题8】 He is a man who is _____（乐观的） about life.
【小题9】 _____（在……之前） to leaving for France, he studied a lot about the country.
【小题10】She is c______ changing her mind so no one knows what her final decision is.

第II卷非选择题（共45分）

V. Task-based reading 任务型阅读 1’ * 10 = 10’

请认真阅读下面短文，并根据所读内容在文章后图表中的空格里填入最恰当的单词。注意：每空不超过1个单词。

Oh, the things that I should see if I had the power of sight for just three days!

The fast day would be a busy one. I should call to me all my dear friends and look long into their faces, imprinting (刻上) upon my mind the outward (外表的, 表面的) evidences of the beauty that is within them, I should let my eyes rest, too, on the face of a baby, so that I could catch a vision of the eager, innocent (天真无邪的) beauty which precedes (在…之前, 先于) the individual's consciousness (意识) of the conflicts which life develops.

And I should like to look into the loyal, trusting eyes of my dogs--the serious, clever little Scottie, Darkie, and the strong, understanding Great Dane, Helga, whose warm, tender, and playful friendships are so comforting to me.

On that busy first day I should also view the small simple things of my home. I want to see the warm colors in the carpets under my feet, the pictures on the walls, the lovely small furniture that transforms a house into home. My eyes would rest respectfully on the books in dot-raised type which I have read, but they would be more eagerly interested in the printed books which seeing people can read, for during the long night of my life the books I have read and those which have been read to me have built themselves into a great shining lighthouse, showing me the deepest channels of human life and the human spirit.

In the afternoon of that first seeing day, I should take a long walk in the woods and intoxicate (使陶醉) my eyes on the beauties of the world of Nature trying desperately (拼命地) to absorb in a few hours the vast brilliance (才华, 才智) which is presenting itself to those who can see. On the way home from my woodland trip, my path would lie close to a farm so that I might see the patient horses ploughing (耕地) in the field and the peaceful content of men living close to the soil. And I should pray for the glory of a colorful sunset.

When darkness had fallen, I should experience the double delight of being able to see by man-made light which the genius of man has created to extend the power of his sight when Nature brings darkness.

In the night of that first day of sight, I should not be able to sleep, so full would be my mind of the memories of the day!

(by Helen Keller)