In this part, you will see four pictures. For each question, look at the picture and choose the best answer to the question you hear. Each question and its four choices will be spoken only once. They are NOT printed in your test book.本部分共 5 題。請看圖片，聽問題與四個選項，選出最適當的答案。問題與選項只播出一次，且不印在試題本上。
Picture A
1（題目由錄音播出，作答時請用聽的）
答案：C
Where is this scene most likely taking place?這個場景最可能發生在哪裡？
Q5. Looking at the note, what does the woman have to do first?看這張便條，這位女子必須先做什麼？
第 2 部分問答Question Response
In this part, you will hear a question or a statement, followed by four responses. Choose the best response to what you hear. Everything is spoken only once and is NOT printed in your test book.本部分共 10 題。你會聽到一個問句或敘述，接著聽到四個回答，請選出最適當的回應。題目與選項只播出一次，且不印在試題本上。
6（題目由錄音播出，作答時請用聽的）
答案：B
How much do I need to open a savings account?開一個儲蓄帳戶需要多少錢？
How much 問金額，正解給出最低存款（deposit）金額一千元。saving、account 是本回主題字；entry（條目）、barely（幾乎不）、riddle（謎題）都是誘答。
Q6. How much do I need to open a savings account?開一個儲蓄帳戶需要多少錢？
7（題目由錄音播出，作答時請用聽的）
答案：A
Did you hear that the economy is heading into a recession?你聽說經濟正走向衰退了嗎？
Q15. Is the new tax policy good for small businesses?新的稅制對小型企業有利嗎？
第 3 部分簡短對話Short Conversations
In this part, you will hear a short conversation followed by one question. The conversation and the question are spoken only once. Choose the best answer from the four choices printed in your test book.本部分共 10 題。你會聽到一段簡短對話與一個問題，各播出一次。請從試題本上印出的四個選項中，選出最適當的答案。
W: My grandfather still keeps his savings in a clay pot at home.我爺爺到現在還把積蓄放在家裡的陶罐裡。
M: Really? Doesn't he trust banking at all?真的嗎？他完全不信任銀行體系？
W: He says money in a bank can vanish overnight.他說銀行裡的錢可能一夜之間就消失。
Q24. Why does the grandfather keep money at home?爺爺為什麼把錢放在家裡？
Housing Loan Plans
Plan
Maximum
Years
Rate
A
$500,000
10
1.95%
B
$1,000,000
10
2.10%
C
$1,500,000
20
2.35%
D
$2,000,000
30
2.60%
25（題目由錄音播出，作答時請用聽的）
答案：B
Look at the table. Which loan plan is being recommended?請看貸款方案表。行員推薦的是哪一個方案？
條件是金額八十萬、年限十年以內。A 方案上限五十萬不夠；C、D 兩個方案的年限都超過十年。只有 B 方案（上限一百萬、十年、2.1%）同時符合，正解就是 B 方案。
M: I need to borrow eight hundred thousand, and I'd like to pay it back within ten years.我需要借八十萬，而且希望十年內還清。
W: Then this plan gives you the lowest rate for that period.那這個方案在這個年限內利率最低。
M: Let's go with that one.就選那個。
Q25. Look at the table. Which loan plan is being recommended?請看貸款方案表。行員推薦的是哪一個方案？
第 4 部分簡短談話Short Talks
In this part, you will hear a short talk followed by two or three questions. The talk and the questions are spoken only once. Choose the best answer from the four choices printed in your test book.本部分共 10 題。你會聽到一段簡短談話，接著聽到二至三個問題，各播出一次。請從試題本上印出的四個選項中，選出最適當的答案。
26（題目由錄音播出，作答時請用聽的）
答案：D
Why will the service be unavailable?服務為什麼會暫停？
廣播說 while we install a new security system（安裝新的資安系統期間）。banking（銀行業務）是本回衍生字。
27（題目由錄音播出，作答時請用聽的）
答案：A
What can customers still do during that time?在那段期間顧客仍然可以做什麼？
廣播最後說 Our cash machines will work as usual（提款機照常運作）。其餘三項都在暫停之列。
W: Good morning. This is a reminder from Central Bank Customer Service. Our online banking system will be unavailable this Saturday from midnight until six in the morning while we install a new security system. During that time you will not be able to check your account, transfer money, or pay bills online. Our cash machines will work as usual. We are sorry for any inconvenience.早安。這是中央銀行客服的提醒。本週六凌晨零時至清晨六時，我們的網路銀行系統將暫停服務，以安裝新的資安系統。在此期間您將無法在線上查詢帳戶、轉帳或繳費。提款機仍照常運作。造成不便，敬請見諒。
Q26. Why will the service be unavailable?服務為什麼會暫停？
Q27. What can customers still do during that time?在那段期間顧客仍然可以做什麼？
What happens if she renews after the thirty-first?如果她在三十一日之後才續約會怎麼樣？
留言說 after that, it rises by about eight percent（之後調漲約百分之八），故正解是要多付約百分之八。說「費率維持不變」的那個選項講的是三十一日之前的情況，時間點相反。
M: Hello, Ms. Wu. This is Alan Reeves from Dayton Insurance. I'm calling about the policy that expires at the end of this month. If you renew before the thirty-first, the premium stays at the same rate; after that, it rises by about eight percent. I can also send you a booklet explaining the new plans. Please call me back at your convenience.吳小姐您好，我是戴頓保險的 Alan Reeves。我來電是關於您本月底到期的保單。若您在三十一日前續約，保費維持原費率；三十一日之後則會調漲約百分之八。我也可以寄一本小冊子向您說明新的方案。請在方便時回電給我。
Q28. Why is the man calling?男子為什麼來電？
Q29. What happens if she renews after the thirty-first?如果她在三十一日之後才續約會怎麼樣？
30（題目由錄音播出，作答時請用聽的）
答案：A
What did the government announce?政府宣布了什麼？
報導第一句就說 cut taxes for small businesses（為小型企業減稅），正解即為小型企業減稅；說「調高企業稅」的那個選項方向相反。
31（題目由錄音播出，作答時請用聽的）
答案：D
How did economists react?經濟學家的反應如何？
報導先說 Economists welcomed the news（歡迎），再用 However 帶出警告，是「歡迎但有保留」。聽到 however 就要注意後半句。
32（題目由錄音播出，作答時請用聽的）
答案：C
What happened to the stock market?股市發生了什麼事？
報導最後說 The stock market rose slightly（股市小幅上揚）。slightly 對應選項的 a little。
W: And now, today's business news. The government announced this morning that it will cut taxes for small businesses next year. Economists welcomed the news, saying it should encourage more people to start companies and give consumers more confidence. However, some warned that the economy is still fragile and that a single measure will not end the recession. The stock market rose slightly after the announcement.接下來是今天的商業新聞。政府今天上午宣布，明年將為小型企業減稅。經濟學家對此表示歡迎，認為這應能鼓勵更多人創業，並提振消費者信心。不過也有人警告，經濟仍然脆弱，單一措施不足以終結衰退。消息公布後股市小幅上揚。
Q30. What did the government announce?政府宣布了什麼？
Q31. How did economists react?經濟學家的反應如何？
Q32. What happened to the stock market?股市發生了什麼事？
Evening Talks: Personal Money Management
Talk
Topic
Room
1
Budgeting
A
2
Saving Habits
B
3
Investment Basics
C
4
Insurance and Tax
D
33（題目由錄音播出，作答時請用聽的）
答案：B
Look at the table. Which talk suits someone who cannot save money?請看講座表。存不了錢的人適合哪一場？
談話明確說 the talk on investment is fully booked（投資那一場已額滿），要到十一月再開。
35（題目由錄音播出，作答時請用聽的）
答案：A
Where can listeners get the handouts?聽眾可以在哪裡拿到講義？
談話最後說 Handouts are available at the entrance（講義可在入口處索取）。entrance 是「入口」，與本回單字 entry 同一詞根。
M: Welcome to our free evening talk on personal money management. On the screen are the four topics we will cover. If your main worry is that you never seem to have anything left at the end of the month, the second talk is the one for you. Each talk lasts forty minutes. Please note that the talk on investment is fully booked, but we will repeat it in November. Handouts are available at the entrance.歡迎參加我們免費的個人理財晚間講座。螢幕上是我們將涵蓋的四個主題。如果您最大的煩惱是每到月底就所剩無幾，第二場講座最適合您。每場四十分鐘。請注意，投資那一場已額滿，但我們會在十一月再開一次。講義可在入口處索取。
Q33. Look at the table. Which talk suits someone who cannot save money?請看講座表。存不了錢的人適合哪一場？
Q34. Which talk is fully booked?哪一場已經額滿？
Q35. Where can listeners get the handouts?聽眾可以在哪裡拿到講義？