請問句子理解

問題一請問being , 是否是which is being ....bank的簡寫?proposals which are being considered ....問題二
to avoid....the fee 是不是 "不定詞片語",修飾new ways?Yes, it is an infinitive phrase.問題三
點解用having?"avoid" is a transitive verb (及物動詞) requiring a noun (gerrund included) or noun phrase as its object. 問題四
having ....fee 是不是"名詞片語"?Yes, it is a noun phrase as "having" is a gerrund.

Now, under proposals being considered by the bank, Bank of America would offer customers new ways to avoid having to pay the fee.

問題一

being , 是which are being ....bank的簡寫

問題二
是
問題三
have to = must 必须

問題四
是