In my opinion，it's wrong for the banks to do so.They should not just consider their own interest.I'm in Senior Three and next year I'll be going into university.As far as I'm concerned，I hope I can benefit from the service to enable myself to go on with my studies.And of course，I'll make a faithful student and pay back the money on time.

　　Yours sincerely，

　　Li Hua

　　E

　　参考范文：

　　The early bird will catch worms

　　An old saying “The early bird will catch worms” reminds us that if people want to be successful and outstanding，they must plan ahead of time and make their efforts to overcome all the possible difficulties.

　　For example，the Chinese athletes' excellent performance in 2010 Olympic Winter Games in Vancouver is definitely the result of their early planning and hard training.If they didn't set the aim and work hard，even though they have the best talents，they couldn't compete with others and get more medals.

　　Another case is my learning experience.I was good at English，but I couldn't pass the exam.The reason was that I had no plan and was involved in many other things.I wasn't prepared well before the examination，so I failed.

　　In short，the saying shows us the importance of planning ahead，working hard and trying constantly.

　　F

　　参考范文：

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