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1. Below are the characteristics of an Offshore Financial Centre EXCEPT: A. Maximum confidentiality B. Minimum exchange control requirements C. Excellent physical infrastructure D. High tax environment 2. Which of the following is NOT true regarding the roles and functions of Labuan FSA: A. To administer and enforce the financial services legislation B. To focus on the development and promotion of business and financial activities C. To provide an avenue where domestic and international market participants can manage their risk exposures efficiently and cost-effectively. D. To supervise the business and financial activities and operations of the offshore financial services industry 3. "Payment on outstanding amount must be settled in full amount" are referring to which cards? A. Credit card B. Debit card C. Prepaid card D. Charge card 4. A secured loan is: I. Provide the lender with an asset that will be used as collateral for the loan. II. Lower interest rate III. Easier to obtain IV. Shorter repayment period A. I and II B. III and IV C. I, II and III D. I, II, III and IV 5. All the following are signals of 'red flags' under business operations, EXCEPT A. Poor management of plant and equipment B. Change of customers and suppliers C. No proper accounting records D. Communication difficulties