9. Nationally chartered banks receive chartering and merger approval from the 4 point) A) Federal Deposit Insurance Corporation B) Office of Comptroller of the Currency C) Federal Reserve System D) Office of Thrift Supervision E) Any of the above may grant a charter and approve a merger 10. Advantages of going global for U.S. banks include all but which one of the following? (2 point) A) Diversification of earnings B) Greater opportunities to exploit economies of scale C) Greater sources of funds D) Conducting business in less regulated environments E) Low fixed costs involved in international expansion 11. Which one of the following is the definition of the 'spread?' (4 point) A) (Net Interest Income--Net Noninterest income) / Earning Assets B) Net Interest Income / Interest Bearing Liabilities C) (Interest Income--Interest Expense) / Earning Assets D) (Interest Income--Interest Expense) / Interest Bearing Liabilities E) (Interest Income / Earning Assets)--(Interest Expense / Interest Bearing Liabilities) 12. An entrepreneur looking for financing to get her small personally owned business up and running should probably consider _(4 point) A) an IPO B) a seasoned stock offering C) a public debt offering D) a venture capitalist E) a syndicated loan