31.Schedule III banks are

____

1. Regulated by the provincial regulators
2. More profitable than Schedule I banks
3. Foreign bank subsidiaries operating in Canada
4. Not members of the CDIC

32.When you withdraw $500 in currency at TD-Canada Trust,

____

1. Its assets increase by less than $500 due to the target reserve needs
2. Its liabilities increase by $500
3. Its cash account decreases by $500
4. All of the above occur

33.An insolvent bank has liabilities worth $200 million and assets valued at only $150 million. If $120 million of the liabilities are insured and $80 million are uninsured, what will be the loss to the CDIC if the payout and disclosure method of failure resolution is used?

____

1. $18 million
2. $90 million
3. $30 million
4. $120 million

34.Which of the following method can be used to reduce credit risk?

____

1. Collateral
2. Marking-to-market
3. Limiting the amount of business you do with a party
4. All of the above

35.Which of the following bond would have the least reinvestment risk?

____

1. An 8% coupon, 20-year Ontario government bond
2. A zero-coupon bond maturing on July 31, 2025
3. An 4% coupon, 30-year GM subordinated debenture
4. An 10% coupon, 10-year bond issued by Power Financial

36.Long-term relationships between banks and their customers

____

A)Reduce the costs of information collection

B)Make it easier for banks to screen good from bad risks

C)Enable banks to deal with moral hazard contingencies that are neither anticipated nor specified in restrictive covenants

D)All of the above

please provide correct answer with explanation.