1.

The following describes the insurance company organization structure, except

A. Insurance companies can organize their operations on the basis of functions

performed, products sold and territories
B. An insurance company’s’ basic functions may be carried out at branches thus
centralization can take place
C. Decentralization results in prompt service renders to customers
D. Selling is the basic principle of branches

2. Its membership is compulsory for all general insurers in Malaysia. One of its main
objective is to manage the Malaysian Motor Insurance Pool

A. Unplaced Motor Pool

B. High Risks Motor Insurance Pool
C. Motor Insurers’ Bureau
D. Persatuan Insurans Am Malaysia

3. This association controls the quality of life insurance agents by terminating those who do
not fulfill sales and training requirements

A. PIAM C MII
B. LIAM D NAMLIA

4. For General Insurance business, self-regulation with respect to the transaction of

insurance business has been achieved through insurance association such as:

I Association of Malaysian Loss Adjusters (AMLA)

II General Insurance Association of Malaysia (PIAM)
III Insurance Brokers Association of Malaysia (IBAM)
IV Malaysian Insurance Institute (MII)

A. I, II and III only C. I, III and IV only

B. II, III and IV only D. I, II, III and IV

5. ______ has formulated a Code of Ethics & Conduct for its member companies

A. DGI C. LIMRA
B. LIAM D. Bank Negara

6. Such an authority is deemed to have been exercised by an agent when he/she performs an
act which is not within his actual authority, but which later becomes binding on the
principal

A. Express authority C. Ratification

B. Implied authority D. Apparent Authority

7. The principal requirements of the Companies Act, 1965 affecting insurance companies
are

I the method of valuing liabilities

II preparation and submission of annual accounts and the accompanying statements
 III the method of valuing assets and the provision for depreciation

A. I and II only C. I and III only

B. II and III only D. I, II and III

8. Every life insurer is required at all times to maintain a surplus of assets over liabilities of
not less than

A. RM 5 million C RM 15 million
B. RM 10 million D RM 20 million

9. In Life Insurance contracts, the parties must give consideration for an agreement to be
legally binding. Thus, the insured’s consideration is to _____. The consideration by the
insurer is to ______.

A. Sign beneficiary, give bonus

B. Pay premium, pay the sum insured
C. Give all detail information, collect premium
D. Sign the application form, issue certificate

10. Who does not has legal capacity to enter into a contract?

A. An Adult C. A Lawyer
B. A Minor D. A Beneficiary

11. Insurance can be best defined as

A. An profitable institution that provides savings based on the principle of mutuality

B. An non-profitable institution based on the principle of mutuality which accumulate
funds to pay for claims against financial losses
C. An economic institution based on the principle of co-operation that insured on certain
risks by accumulating a common fund which pay claims as a result of the operation
of specific risks
D. An economic institution based on the principle of co-operation to provide funds for
savings & investments

12. The primary function of insurance is

A. To reduce losses through their recommendation in rating, survey, inspection services

and salvage
B. The equitable spread of the financial losses of a few insured among the many insured
C. To stabilizing cost of enterprises
D. To remove fears and worries of losses of individuals and business executives

13. Which of the following is NOT true about the application of law of large numbers?

A. As the number of loss exposures increases, the predicted loss tends to approach the
actual loss
B. It is used to estimate adequate premium to be charged
C. It operates when a large number of claims arise
D. It operates when insurers are able to underwrite a large number of similar risks
14. Insurance helps

A. To establish confidence and enables forward planning of economic activities

B. To inculcate the discipline of savings amongst the working population
C. To stimulate business enterprise through risks transfer mechanism
D. All of the above

15. After independence in 1957, a few life insurance companies wound up because of their
unsound operation. This unhealthy trend culminated in the Government’s intervention
through

A. The enactment of the Insurance Act 1963

B. The introduction of New Economic Policy
C. Domestication of insurance companies
D. All of the above

16. Which of the followings are considered as perils in insurance context?

I Fire
II Court awards
III Negligence
IV Moral Hazard

A. I and III only C. II and III only

B. I and II only D. I and IV only

17. In practice, insurance company uses this technique to predict future losses through
historical data

A. Priori Probability C. Judgmental Probability

B. Empirical Probability D. Secondary Probability

18. The use of fire resistant material in the construction of building is the method of handling
risks through

A. risk avoidance C. risk retention

B. loss control D. risk transfer

19. List out the sequence of risk management process

A. Selection, Evaluation, Identification, Implementation, Control

B. Evaluation, Identification, Selection, Implementation, Control
C. Identification, Evaluation, Selection, Implementation, Control
D. Identification, Selection, Implementation, Evaluation, Control

20. An insurable risk must follow the criteria(s) below:

I Losses can be measured financially

II A reasonable premium can be estimated
III The risk must results in huge loss
 IV There must be an existence of insurable interest

A. I and II only C. I, II and IV only

B. I, II and III only D. I, II, III and IV

21. Which of the followings is the definition of “Void Contracts”?

A. The contract will remain valid until the aggrieved party exercise the option to treat it
void
B. Contracts which are unenforceable without being void
C. Contracts which are simply one that the law held to be no contract at all
D. None of the above

22. The relationship of an insurer and an agent can be created in the following ways:

I by statue (Section 44A, Insurance Act 1963)

II by subsequent ratification of an unauthorized act
III by express appointment
IV by implication of the law

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV

23. The relationship of principal and agent may be terminated by operation of law as below

I by expiration of the period stipulated in the contract of agency

II by mutual agreement
III by the completion of the transaction where the authority was given for that
transaction only
IV by operation of any law, which renders the contract of an agent illegal

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV

24. “Knowledge of an authorized agent relating to any matter relevant to the acceptance of
the risk by the insurer shall be deemed to be within the knowledge of the insurer”. Which
section of the Insurance Act, 1963 impose such control on the conduct of insurers?

A. Section 9 C. Section 16A

B. Section 23 D. Section 44A

25. “Any person who misleads to induce another person to enter any contract of insurance
will be liable to a fine not exceeding RM 500 or imprisonment for a term not exceeding 1
year or both”. This refers to which section of the Insurance Act, 1963?

A. Section 16A C. Section 9

B. Section 44A D. Section 23

26. Which of the following statements about grace period is NOT true?

A. Premiums received late within 30 days are accepted without any interest charged
 B. If the insured dies during grace period, the claim will be paid after deducting the
outstanding premiums or indebtedness
C. Policyholders cannot pay premium after the expiry of the grace period without
reinstatement
D. None of the above

27. This technique is particularly useful in situations where the customer is able to recognize
his need immediately

A. Creative selling C. Missionary selling

B. Order processing D. Information search

28. Such schemes are based on an agreement between the insurer and the employer whereby
the employer deducts the premium from the employee’s salary.

A. Banker’s order Deduction C. Employee Premium Deduction

B. Payroll Deduction D. Employee Fund Deduction

29. Below are the functions of the marketing department

I pricing
II selection of distribution channel
III product development
IV planning and controlling

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV

30. Studies conducted in the U.S.A. indicated that the three most important factors for the
selection of a particular insurer by customers are :

I reputation of the insurer

II quality of coverage and services provided
III policy benefits
IV agent’s professional capability

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. II, III and IV

31. A person cannot validly arrange for motor insurance on a car which he anticipates to own
in the future because

A. There is no subject matter of insurance contract

B. In general insurance, insurable interest needs only to exist at the inception of the
insurance
C. He does not have unlimited insurable interest on the car
D. None of the above

32. Assignment of policy can be effected without prior consent of the insurer under the
followings circumstances besides
 A. Marine Cargo Policies C. Transfer by will
B. Life Policies D. Aviation

33. Ms A has cancer, which is known by herself. In filling the proposal form to apply for a
life insurance policy, she is not aware of the principle of utmost good faith and her agent
did not ask her to state the above health condition. The principle of utmost good faith is
breach under

A. Innocent misrepresentation C. non-disclosure

B. Fraudulent misrepresentation D. concealment

34. The methods of indemnity include

I payment by cash
II replacement
III reinstatement
IV repair

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV

35. What principles apply as a consequence of indemnity?

A. Subrogation C. Proximate cause

B. Contribution D. Subrogation and contribution

36. A tank of acetylene gas used for welding explodes and sets fire to a motor repair shop.
The shop and contents are insured under a fire policy. If the explosion precedes the fire,
the insurer will be liable for any loss caused by

A. Fire C. fire and explosion

B. Explosion D. the insurer will not be liable to pay

37. Under the concept of tabaruk, donations made by the participants as contribution into a
risk fund is called

A. Aqad C. mudharabah
B. Contribution D. takaful

38. The arrangement where a group of member agree to jointly guarantee against loss or
damage that may fall upon any of them, but without a contractual transfer of risk is
called:

A. Insurance C. Takaful
B. Syura D. Mudharabah

39. Which of the following is true about intermediaries in the insurance market?

A. A general insurance agent may not represent more than three general insurance
companies
 B. Insurance agents and brokers are remunerated through payment of commission by the
insurers
C. Brokers’ remuneration is referred to as brokerage which is usually a percentage of the
sum insured
D. The brokers’ job is to advise his clients on the most suitable covers at the most
economic cost

40. Insurance market components include:

I Doctors
II Insurers
III Engineers
IV Marine and cargo surveyors

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV
101. In determining the tabular (gross) premium for _____ policies, the corresponding
elements are mortality, interest, expenses and bonus loading

A. endowment C. non-participating
B. term D. participating

102. In determining a premium rate for life insurance, it is assumed that the deaths among a
group of insured people of the same age will, in the future

A. Follow a pattern similar to that of an identical known group in the past

B. Change according to the pattern of an identical known group
C. Follow a pattern of an identical known group
D. Change according to a pattern of an identical known group in the past

103. What are the factors taking into consideration for premium calculation purposes?

I Investment returns
II Expenses
III Tax
IV Bonus Loading

A. I, II and III only C. II, III and IV only

B. I, II and IV only D. I, II, III and IV

104. Below are the examples of initial expenses incurred in the first year of the policy, except

A. Advertising costs
B. Medical examination expenses
C. First year commission
D. Litigation expenses

105. Which of the following is NOT true about a satisfactory Premium Rate Structure?

A. The premiums charged must be adequate to meet all the outgo of the office
B. The premiums must not differ greatly from those of other offices for similar types of
policies
C. One class of policies should not be charged a disproportionate share of the expenses
of management
D. The premiums charged for different classes of policies and for different ages at entry
must not contain any obvious consistencies

106. If the insurance company decides to charge premiums on the Risk Premium basis, how
would the insurance company charge the premiums throughout the policy years?

A. A level amount of premium over a predetermined term

B. An increasing premiums for the same insured person for each following year
C. An decreasing premiums varying with the insured’s age
D. None of the above

107. There are several reasons why a life office conducts the valuation exercise, except
 A. To test whether the company is solvent
B. To test the adequacy of the existing premium scales
C. To determine if any changes in the company’s operations are necessary
D. To select an agent who is competence, knowledgeable and trustworthy

108. What are the disadvantages of regular premiums?

I the period for which moneys are available for investment is longer
II there is more administrative work in collecting premiums
III the chances of policy lapse is higher compare to yearly premiums
IV there is a loss of interest to the company on the portion of the premium for a part
of the year

A. I, II and III only C. II, III and IV only

B. I, II and IV only D. I, II, III and IV

109. In the event of death, premium deduction might or might not be made from the claim
amount depends on the type of periodical premiums being used. What are the two types
of periodical premiums?

A. Installment Premiums and True Premiums

B. Risk Premium and Pure Premiums
C. Gross Premiums and Net Premiums
D. Tabular Premiums and True Premiums

110. ______ is only paid on policies resulting into claims either by maturity or death, provided
the policies concerned had been kept fully in force by payment of premium and such date
of claim

A. Interim Bonus C. Guaranteed Bonus

B. Terminal Bonus D. Cash Bonus

111. Below are the principal characteristics of a life insurance contract:

I it is a aleatory contract
II it cannot be cancelled unilaterally by the insurer during its currency
III it relies on the principle of uberrimae fides
IV it will terminate on the payment of a claim

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV

112. The claim amount is determined at the very beginning of the contract. Such contracts are

A. Aleatory contracts C. Subrogation contracts

B. Unilateral contracts D. Indemnity contracts

113. For life insurance contracts, the mortality risk _____ with age and also with the duration
of the contract. In general insurance, the insured risk may sometimes ______ with
duration.
 A. Increases, decreases C. Decreases, decreases
B. Increases, increases D. Decreases, increases

114. This section under the Insurance Companies Act 1963 specifically voids any policy
effected without an insurable interest

A. Section 3 (2A) C. Section 40

B. Section 20 (B) D. Section 44A

115. Which of the following statements regarding insurable interest is NOT true?

A. Every person is considered to have an unlimited interest in is or her own life

B. A company has an insurable interest in the life of a director or a manager
C. A brother considered to have an unlimited interest in his sister’s life
D. A creditor has an limited insurable interest in the life of the debtor

116. What is the main purpose of Limited Payment Whole Life Policy?

A. For young people with a moderate income but having good prospects for increased
incomes later
B. To produce the lower cost of premium due to the progressive reduction of the sum
assured
C. To have the policyholder paying an extra amount of premium during a fixed premium
paying period so that the policy remain in-force after this period
D. To provide a cheap guaranteed protection for a limited period at the option of the life
insured

117. What are the options or privileges provided under different types of term insurance?

I renewability
II convertibility
III mortgage protection
IV non-forfeiture provisions

A. I and II only C. I, II and III only

B. I, II and IV only D. I, II, III and IV

118. A person secures a mortgage loan to purchase a house. He repays the loan by installment.
What type of insurance is widely used to cover the unpaid loans in the event of death?

A. Level term insurance C. Limited payment whole life policy

B. Decreasing term insurance D. Deferred annuity

119. Mr. A wants to buy a life insurance with the idea of investment and high protection at the
lowest possible price. He wish to receive regular cash payment from the policy
throughout the protection period. What policy or policies should he buy?

A. Whole life policy with limited payment

B. Anticipated Endowment insurance
C. Anticipated Endowment insurance and a term insurance as a rider
 D. Limited payment whole life policy and a convertible term insurance as rider

120. This type of annuity is payable to the wife during her life time, commencing on the death
of the husband.

A. Survivorship Annuity C. Single Life Immediate Annuity

B. Deferred Annuity D. Reversionary Annuity

121. Which one of the following is NOT a non-forfeiture provision?

A. Paid-up policy C. Extended Term Assurance

B. Automatic Premium Loan D. Reinstatement

122. _____ is one which does not leave any right with the assignor except paying of premium
if he choose to pay.

A. Conditional assignment C. Policy assignment

B. Reassignment D. Absolute assignment

123. The flexibility in structure of the contract is provided by allowing for certain forms of
alterations to the policy. Which one of the following alterations is NOT allowed?

A. Change of mode of payment C. Change of beneficiary

B. Change of life insured D. Change of class of policy

124. The insured within ______ days of receipt of the policy can return the policy with a
written notice objecting to a term or condition of the policy and the insurer then has to
refund the premium

A. 12 C. 16
B. 14 D. 18

125. The above period stated in question (124) is known as _____ period.

A. “Grace” C. “Anti-selection”
B. “Cooling off” D. “Risk underwriting”

126. The proposal form will be scrutinized to look for the following: -

I the existence of insurable interest

II whether the amount of insurance applied for is commensurable with the financial
standing
III whether the insured maintains multiple insurable policies with other insurers
IV whether other insurers have turned down the proposer’s application for insurance
coverage

A. I and III only C. II, III and IV only

B. II and IV only D. I, II, III and IV

127. Physical hazard can be detected through

 A. Medical reports C. Medical examinations
B. Proposal forms D. All of the above

128. In accordance with the provision of the Malaysian Income Tax Act, the premium paid on
a personal accident policy is

A. Allowable for tax relief up to a maximum of RM 2,000

B. Allowable for tax relief up to a maximum of RM 3,500
C. Allowable for tax relief up to a maximum of RM 5,000
D. Not allowable for tax relief

129. The insurer usually employs any one of the following methods to deal with sub-standard
lives, except

A. Charge an extra premium C. Offer an alternate form of contract

B. Increase the sum insured D. Decline or postpone coverage

130. The charge for recovering the cost of mortality alone is called the ______

A. Pure Premium C. Risk Premium

B. Net Premium D. Gross Premium

131. The bonus provided in the non-participating policies with the sum assured increasing
automatically each year at a predetermined rate, is known as

A. Interim Bonus C. Guaranteed Bonus

B. Cash Bonus D. Reversionary Bonus

132. Which of the following is NOT true about the practice of actuarial valuation of a life
office?

A. The purpose of actuarial variation is to test whether the company is solvent

B. The actuarial valuation of assets may be done through table value
C. The actuarial valuation of a life office consists of calculating the present value of
premiums under all policies in force on the valuation date
D. The practice of actuarial valuation is to comply with statutory requirements

133. Information necessary of the proper assessment of risk can be obtained from

I proposal form
II attending physician’s statement
III agent’s report
IV adjuster’s report

A. I, II and III only C. I, III and IV only

B. I, II and IV only D. I, II, III and IV

134. The proposal form for life insurance contains

A. Applicant’s occupation
B. Applicant’s family history
 C. Applicant’s declaration and authorization
D. All of the above

135. This section of policy stated the name of company and the address of its registered office,
to which all notices of assignment of the policy must be served.

A. The Heading
B. The Preamble
C. The Operative Clause
D. The Proviso

136. Below are the various categories of policy conditions and its examples. Which one is
NOT true?

A. Conditions limiting scope of contract – incontestability clause

B. Conditions enlarging scope of contract – grace period
C. Conditions limiting scope of contract – non-forfeiture conditions
D. None of the above

137. Endorsements on a life insurance policy can be done at

I time of issue of policy

II after issue of policy
III before issue of the policy
IV the time of claims

A. II only C. I and III only

B. I and II only D. II and IV only

138. When the policyholder is the life insured, the following are required in settling maturity
claims, except

A. Proof of age C. Proof of survival

B. Proof of the agent’s contract D. The policy document

139. For personal accident policies, the doctrine of _____ is important, as more than one
condition can operate leading to a claim

A. Leading cause C. Proximate cause

B. Contributing cause D. Mortality cause

140. In times of death claims, the following documents are acceptable to the insurer as proof
of title and ownership, except

A. A deed of assignment
B. A probate of the will
C. insured’s identity card
D. proof as a trustee under section 23 of the Civil Law Act

141. On maturity of an endowment policy, what are the settlement options which can be
exercised?
 I cash
II convert to annuity
III leave with the insurer on agreed terms
IV installments

A. I, II and III only C. II, III and IV only

B. I, II and IV only D. I, II, III and IV

142. The insurer would accept anyone of the following documents as proof of death:

I a coroner’s report
II an order pronouncing a statutory presumption of death
III a certificate showing that death has occurred at sea
IV medical certificate by last medical attendant

A. I, II and III only C. II, III and IV only

B. I, II and IV only D. I, II, III and IV

143. The premium charge for life insurance policies usually vary in relation to the following
factors:

A. The age and sex of the proposer

B. The type of policy required
C. The sum assured
D. All of the above

Questions 154, 155 & 156 are based on the following table

Table: Premium Rates for Whole Life Policy on Male Lives Treat Female Lives as 3 Years
Younger

Male Age Last Birthday Premium Per RM 1,000 Sum Assured

20 18.02
21 18.25
22 18.50
23 18.74

Proposer’s Particulars and Policy Details:

Sex : Female
Date of Birth : 22/08/1973
Cover to Commence : 07/09/1996
Policy Type : Whole Life Policy
Sum Assured : RM 10,000

144. What is the insured’s age last birthday?

A. 20 C. 22
B. 21 D. 23
145. How much is the premium payable?

A. RM 180.2 C. RM 187.4
B. RM 179.2 D. RM 182.5

146. Which of the following is true about the information shown above?

A. The premium rate for male and female is the same

B. This policy is entitled to a basic cash value
C. The monthly premium is RM 14.93
D. If the insured surrender the policy after five years, she will get nothing

147. Codes of Ethics are moral principles conducted by the professional agents. An agent
should

I ensure the policy proposed is suitable to the client’s present needs

II vender continuous service to the policyholder
III advise the client to terminate the present policy
IV treat all information supplied by the prospective policyholder as completely
confidential

A. I and II only C. I, III and IV only

B. I, II and III only D. I, II and IV only

148. Which of the followings are the principles underlying the guidelines of the Code of
Ethics and Conduct?

I to avoid misuse of position

II to avoid conflict of interest
III to conduct business with the utmost good faith and integrity
IV to ensure completeness and accuracy of relevant records

A. I, II and III only C. II, III and IV only

B. I, III and IV only D. I, II, III and IV

149. The insurance intermediaries shall not,

I make inaccurate or unfair victims of any insurers

II ensure the policy proposed is suitable to the needs of the prospective
policyholder
III attempt to persuade a client to terminate his existing policies
IV conduct business with the highest degree of integrity and ethics

A. I and II only C. II and IV only

B. I and III only D. III and IV only

150. In life insurance practice, the guidelines on the code of conduct hinge on the following
statement of philosophy. Which of the following is NOT the statement of philosophy?
 I Life Insurance business should be operated and administered with the highest
degree of integrity and ethics
II Life insurance business is based on trust and honesty
III Insurance companies should report cases of fraud to police and Bank Negara
IV Life insurers should ensure the policy proposed is suitable to the needs of the
prospective policyholder

A. I and II only C. I, II and IV only

B. I, II and III only D. I, II, III and IV

151. After diagnose of a dread disease, a person might be unable to work for incomes. What
policies can this person buy in order to cover the risk?

I Permanent Health Insurance (PHI)

II Deferred Annuity
III Dread Disease Rider
IV Hospitalization benefit

A I, II and III only C. I, III and IV only

B I, II and IV only D. I, II, III and IV

152. Which type of policy is presently NOT in Malaysia’s market?

A. Permanent Health Insurance C. Convertible Term Insurance

B. Investment Linked Policies D. Anticipated Endowment Insurance

153. The amount of group insurance that can be applied for without medical evidence is
referred to as

A. Free Cover C. Non-evidence Cover

B. Non-Medical Limit D. Medical Free Cover

154. Which of the following in NOT true about the coverage under supplementary benefits?

A. Permanent disability benefit include payment of sum insured and waiver of premium
B. Personal accident benefit does not cover bodily injury caused by some hazardous
pursuits and sports
C. Double Accident benefit pays out when there is a continuous events of accidents
incurred to the life assured
D. Surgical and Nursing Fees benefit does not include the hospitalization expenses

155. In regards to the lives insured, how can a joint life policy being issued?

I Policy can be issued on the lives of husband and wife

II Policy can be issued on the lives of business partners
III Policy can be issued on all employees of a company for group protection
IV Policy can be issued on the lives of parents

A. I and II only C. I and III only

B. II and III only D. I and IV
156. In order to ensure that the child will have a life insurance even if he or she later becomes
uninsurable, the parents can issue this type of life insurance on the life of the child during
his or her early years.

A. Protected Educational Policies

B. Children’s Deferred Assurance
C. Child Education Plan
D. Juvenile Policy

157. Takaful contribution is credited into two separate accounts in the company namely:

A. Participants Account and Participant’s Personal Account

B. Mudharabah and Tabaruk
C. Participant’s Account and Participant’s Special Account
D. Tabaruk and Participant’s Account

158. If the Takaful participant dies before the term of the Takaful plan,

I the amount of death benefit

II the total of the accumulated value of the participant’s saving / investment account
III the surplus from the risk fund
IV the total of the accumulated value of the participant’s tabaruk

A. I and II only C. I, II and IV only

B. II and III only D. II, III and IV only

159. Which of the following is NOT true about the privileges of a life policy?

A. The cover under the policy continues during the 30 days of grace for part of the sum
assured
B. A home service life policy is entitled for a surrender value after the policy has been in
force for six years or more
C. Cash value of a life policy can be used as a single premium to provide for an
insurance on the original terms but with a reduced sum assured
D. Policy loans are generally granted up to 85 or 90 percent of the acquired cash value of
a policy

160. When the original policy is a participating policy, on conversion as a ________, it may
cease to participate in future profits.

A. Whole life policy C. Paid-up policy

B. Policy Loan D. Single premium policy
 ANSWERS

PART A

1.B 2.D 3.B 4.A 5.B 6.C 7.D 8.A 9.B 10.B

11.C 12.B 13.C 14.D 15.A 16.A 17.B 18.B 19.C 20.C

21.C 22.D 23.D 24.D 25.A 26.D 27.B 28.B 29.D 30.A

31.A 32.D 33.C 34.D 35.D 36.D 37.A 38.C 39.D 40.D

PART C

101.D 102.A 103.D 104.D 105.D 106.B 107.D 108.D 109.A 110.B

111.D 112.A 113.A 114.C 115.C 116.C 117.C 118.B 119.C 120.D

121.D 122.D 123.B 124.B 125.B 126.D 127.D 128.D 129.B 130.C

131.C 132.B 133.A 134.D 135.A 136.C 137.B 138.B 139.C 140.C

141.D 142.D 143.D 144.D 145.A 146.B 147.D 148.D 149.B 150.A

151.C 152.B 153.A 154.C 155.A 156.B 157.C 158.A 159.A 160.C