4．The Winners Club is a bank account particularly designed for teenagers．It has been made to help you better manage your money．The Winners Club is a transaction account（交易賬戶）where you receive a keycard so you can get to your money 24/7-that's 24hours a day，7days a week!
It's a club with impressive features for teenagers：
No account keeping fees!
You're no millionaire so we don't expect you to pay large fees．In fact，there are no account keeping or transaction fees!
Excellent interest rates!
You want your money to grow．The Winners Club has a good rate of interest which gets even better if you make at least two deposits（儲蓄）without taking them out in a month．
Convenient
Teenagers are busy-we get that．You may never need to come to a bank at all．With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet…You can have money directly deposited into your Winners Club account．This could be your pocket money or your pay from your parttime job!
Mega magazine included
Along with your regular report，you will receive a FREE magazine full of good ideas to make even more of your money．There are also fantastic offers and competitions only for Winners Club members．
The Winners Club is a great choice for teenagers．And it is so easy to join．Simply fill in an application form．You will have to get permission from your parent or guardian（so we can organize that cool keycard）but it is easy．We can't wait to hear from you．It's the best way to choose to be a winner!

21．The Winners Club is a bank account intended forB．
A．parents         B．Teenagers        C．winners         D．a(chǎn)dults
22．Which of the following is TRUE about the Winners Club？C
A．Special gifts are ready for parents．
B．The bank opens only on work days．
C．Services are convenient for its members．
D．Fees are necessary for the account keeping．
23．The Winners Club provides magazines whichD．
A．encourage spending                  
B．a(chǎn)re free to all teenagers
C．a(chǎn)re full of adventure stories            
D．help to make more of your money
24．What is the purpose of this text？D
A．To set up a club．B．To provide parttime jobs．
C．To organize keycards．D．To introduce a new banking service．

分析 本文屬于說明文閱讀，作者通過這篇文章主要向我們描述了贏家俱樂部是一個專為青少年設計的銀行帳戶，吸引讀者前往存儲．

解答 21．B．細節(jié)理解題．根據(jù)第一段The Winners Club is a bank account particularly designed for teenagers可知贏家俱樂部是一個銀行帳戶是專為青少年設計的；故選B．
22．C．細節(jié)理解題．根據(jù)文章You may never need to come to a bank at all．With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet可知優(yōu)勝者俱樂部對于他的成員是很方便的；故選C．
23．D．細節(jié)理解題．根據(jù)最后一段Along with your regular report，you will receive a FREE magazine full of good ideas to make even more of your money可知優(yōu)勝者俱樂部提供雜志讓你賺更多的錢；故選D．
24．D．推理判斷題．根據(jù)第一段The Winners Club is a bank account particularly designed for teenagers．It has been made to help you better manage your money可知本文的目的是引入一個新的銀行服務；故選D．

點評 考察學生的細節(jié)理解和推理判斷能力，做細節(jié)理解題時一定要找到文章中的原句，和題干進行比較，再做出正確的選擇．在做推理判斷題不要以個人的主觀想象代替文章的事實，要根據(jù)文章事實進行合乎邏輯的推理判斷．

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