5. 

A custodian stores securities, clients' money, and other material assets

Correct answers: A paid investment advisor consults and provides recommendations to the client on investment management, A trustee manages the client's property in their own name

Find the correspondence between the term and the statement so that all 5 pairs are correct. All 5 terms must be used.

The service may involve changing the terms of an existing loan

According to federal law, this service is available only once during the entire loan period

The service provides options for reducing the term or the amount of loan payments

During the term of this service, the bank does not charge the borrower penalties and cannot demand early repayment of the loan

This service may include

refinancing; consolidation of debts; loan holidays; mortgage holidays; early repayment; restructuring;

refinancing; loan holidays; mortgage holidays; early repayment; restructuring;

refinancing; loan holidays; mortgage holidays; early repayment; restructuring;

refinancing; loan holidays; mortgage holidays; early repayment; restructuring;

refinancing; loan holidays; mortgage holidays; early repayment; restructuring;

Correct answer:

The service may involve changing the terms of an existing loan $\rightarrow$ restructuring,

According to federal law, this service is available only once during the entire loan period $\rightarrow$ mortgage holidays,

The service provides options for reducing the term or the amount of loan payments $\rightarrow$ early repayment,

During the term of this service, the bank does not charge the borrower penalties and cannot demand early repayment of the loan $\rightarrow$ loan holidays, This service may include consolidation of debts $\rightarrow$ refinancing

Question 8

Score: 7.00

The Ivanov family carefully plans their budget. Lidia Nikolaevna works as a doctor and earns 1,000,000 rubles per year (before income tax). Arkady Petrovich is an entrepreneur, and his annual profit from the business is 2,000,000 rubles, which is taxed at a rate of $15 \%$ under the simplified taxation system (USN).

On average, the family's expenses amount to 205,000 rubles per month, excluding vacation expenses.

The Ivanovs had been saving money for a trip to Paris for a year, but due to the pandemic, they decided to postpone the trip for a year and temporarily place the accumulated savings in a bank deposit at an annual interest rate of $12 \%$ with interest paid at the end of each quarter. The deposit term is 12 months, and interest income is reinvested. Calculate the Ivanov family's income from the deposit.
Answer in rubles, without spaces and units of measurement. Round the answer to the nearest whole number according to rounding rules.

Answer:

Correct answer: 13806

question 9

Score: 3.00

Select all possible features of an authentic ruble banknote.

Select one or more answers:

$\Gamma$