1. Factors that affect home owners, insurance premiums are all of the following, except: a. Value of insured home b. Easements through the property c. Deductible d. Location 2. Important services offered by financial institutions include all of the following, except: a. Credit Card Financing b. Automated Teller Machines c. Money Orders d. Life Insurance Contracts 3. The U.S. monetary supply is controlled by: a. Congress b. The President c. The Court Systems d. The Federal Reserve System 4. In reducing your homeowners insurance premium you can take the following actions, except: a. Decrease your deductible b. Improve protection c. Shop around d. Stay with the same insurance company 5. Closing costs for a mortgage loan include the following fees, except: a. Loan application fee b. Loan officers commission c. Points d. Appraisal fee