9. Which of the following is NOT an example for unsecured sources of short-term credit? A. Account-Receivable Loans B. Trade Credit C. Commercial Paper D. Accrued Wages 10. Which of the following is NOT the symptoms of Overtrading? A. Current Liabilities is greater than Current Assets B. Current Ratio decrease C. Liquidity Ratio increase D. Assets Financed by Credit 11. The trade terms 5/15, 3/25, net 40" indicate that: A. A 3% discount is offered if payment is made after 40 days. B. A 5% discount is offered if payment is made within 15 days. C. A 5% discount is offered if payment is made after 15 days. D. No discount is offered if payment is made within 25 days. 12. Which one of the following is NOT included in FIVE Cs of credit? A. The customer's character. B. The collateral is provided by the customer. C. The customers' capacity to pay. D. The occupation of the customers' daughter. 13. Which of the following is the key reason for a company to offer early settlement discounts for its credit customers? A. To improve their cash flows. B. To increase their profitability. C. To improve their relationship with their customers. D. To lower the cost of borrowings. 14. A contract is an agreement that legally binds the involved parties. There have several elements that are essential for a contract. Which of the following is referred to as a proposal that to do some action and it must be stated clearly in the agreement"? A. Legal Intention. B. Offer C. Acceptance. D. Consideration