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質問 1：
Regulation D, an SEC rule governing the limited offer and sale of securities without registration under the securities Act of 1933, regulates private placement exemptions. Regulation D supports all of the following EXCEPT:
A. Offerings are advantageous to any private company or entrepreneur because they allow anentity to obtain funding faster and to avoid the costs associated with a public offering
B. Allows usually smaller companies to raise capital through the sale of equity or debt securities without having to register their securities with SE
C. None of these
D. Allows for the issuance and sale of securities to purchasers, if they qualify as accreditedinvestors
正解：C
質問 2：
Deposit accounts are either interest bearing or non-interest bearing. Interest bearing accounts includes _________ and ___________. The types of accounts bear interest for a fixed period of time and are known as time deposits.
A. Savings accounts, term deposit
B. Certificate of deposit, Savings accounts and certificates of deposit
C. Savings accounts, certificates of deposit and non-interesting bearing account
D. Savings accounts, certificates of deposit
正解：D
質問 3：
Bank may serve as trustee or custodian for pension and profit sharing plans that self- employed individuals establish for them selves and their employees. These types of trust are referred to as:
A. Defined benefit plans
B. Keogh plans
C. Individual retirement account
D. None of these
正解：B
質問 4：
Derivatives can be:
A. Exchange traded securities
B. Over-the-counter traded securities
C. Exchange traded options
D. Either A or C
正解：D
質問 5：
Selectively increasing the price of a mortgages loan above the bank's established rate to certain customers ("overages") may have the effect of discriminating against those customers .This practice left undetected and not properly controlled may raise the possibility of:
A. Reputation risk
B. litigation or regulatory action (compliance Risk)
C. Price risk
D. Strategic Risk
正解：B
質問 6：
Internal auditors are expected to uphold the following principles:
A. Integrity, objectivity, awareness and competency
B. Integrity, objectivity, competency
C. Integrity, objectivity, entirety
D. Integrity, objectivity, confidentiality, and competency
正解：D
質問 7：
If interest rates fall, a bond issuer may decide to pay off (or "retire") its debt and issue new bonds that pay a lower rate. When this happens, the fund may not be able to reinvest the proceeds in an investment with a high return or yield. This is an example of:
A. All of these
B. Prepayment risk in bond funds
C. Credit risk in bond funds
D. Interest rate risk in bond funds
正解：B
質問 8：
Adequate solution for insurance coverage is that:
A. Which offsets the losses generated by the absence of a key contributor?
B. All of these
C. Establish control of the business to the surviving active owner
D. Does not impose a financial burden on the business
正解：B
Regulation D, an SEC rule governing the limited offer and sale of securities without registration under the securities Act of 1933, regulates private placement exemptions. Regulation D supports all of the following EXCEPT:
A. Offerings are advantageous to any private company or entrepreneur because they allow anentity to obtain funding faster and to avoid the costs associated with a public offering
B. Allows usually smaller companies to raise capital through the sale of equity or debt securities without having to register their securities with SE
C. None of these
D. Allows for the issuance and sale of securities to purchasers, if they qualify as accreditedinvestors
正解：C
質問 2：
Deposit accounts are either interest bearing or non-interest bearing. Interest bearing accounts includes _________ and ___________. The types of accounts bear interest for a fixed period of time and are known as time deposits.
A. Savings accounts, term deposit
B. Certificate of deposit, Savings accounts and certificates of deposit
C. Savings accounts, certificates of deposit and non-interesting bearing account
D. Savings accounts, certificates of deposit
正解：D
質問 3：
Bank may serve as trustee or custodian for pension and profit sharing plans that self- employed individuals establish for them selves and their employees. These types of trust are referred to as:
A. Defined benefit plans
B. Keogh plans
C. Individual retirement account
D. None of these
正解：B
質問 4：
Derivatives can be:
A. Exchange traded securities
B. Over-the-counter traded securities
C. Exchange traded options
D. Either A or C
正解：D
質問 5：
Selectively increasing the price of a mortgages loan above the bank's established rate to certain customers ("overages") may have the effect of discriminating against those customers .This practice left undetected and not properly controlled may raise the possibility of:
A. Reputation risk
B. litigation or regulatory action (compliance Risk)
C. Price risk
D. Strategic Risk
正解：B
質問 6：
Internal auditors are expected to uphold the following principles:
A. Integrity, objectivity, awareness and competency
B. Integrity, objectivity, competency
C. Integrity, objectivity, entirety
D. Integrity, objectivity, confidentiality, and competency
正解：D
質問 7：
If interest rates fall, a bond issuer may decide to pay off (or "retire") its debt and issue new bonds that pay a lower rate. When this happens, the fund may not be able to reinvest the proceeds in an investment with a high return or yield. This is an example of:
A. All of these
B. Prepayment risk in bond funds
C. Credit risk in bond funds
D. Interest rate risk in bond funds
正解：B
質問 8：
Adequate solution for insurance coverage is that:
A. Which offsets the losses generated by the absence of a key contributor?
B. All of these
C. Establish control of the business to the surviving active owner
D. Does not impose a financial burden on the business
正解：B
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