Banks view online banking as a powerful “value-added” tool to attract and keep new custome

 Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller（出纳员）interactions in an increasingly petitive banking environment .
Today , most large national banks , many local banks and credit unions offer some form of online banking , variously known as PC banking , home banking , electronic banking or Internet banking . Online banks are sometimes referred to as “brick-to-click” banks , both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking , as well as from “virtual”（虚拟）banks that have no physical branches or tellers whatsoever .
The challenge（挑战）for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it . Most of the large banks can now offer fully safe ,fully functional （功能的）online banking for free or for a small cost . As more banks succeed online and more customers use their sites , fully functional online banking will likely bee as monplace as automated teller machines (ATM).
Online banking has a lot of advantages . Unlike your corner bank , online banking sites never close; they’re at hand 24 hours a day , seven days a week , and they’re a mouse click away . If you’re out of state or even out of the country when a money problem appears , you can log on instantly to your online bank and take care of business . Online bank sites generally carry out and confirm （确认）deals at or quicker than ATM processing speeds . Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively .
【小题1】The word “eliminate” in the first paragraph probably means “    ”.A．keepB．remove C．reduce D．improve【小题2】What is the challenge for the banking industry according to the text ?A．To make online banking attractive .B．To open new services all over the world .C．To offer online banking for free .D．To take care of business 24 hours a day .【小题3】From the text we can conclude that      .A．“brick-to-click” banks are in fact another kind of physical banks B．the function of a “brick-to-click” bank is as mon as that of an ATM C．a “ brick-to-mortar” bank is no better than a virtual one D．customers can deal with their banking by a mouse click【小题4】What would be the best title for this text ?A．Banking of Various Forms B．Improvement of Banking Industry C．Development of Online Banking D．Functions of the “Brick-to-Click” BankB