please answer 1 and 2

options in choosing student-specific credit cards that come with perks. Which statements are true? I. Student credit cards play an important role in helping you establish credit history and a good credit score by the time you graduate which is essential in helping you obtain financing with a better interest rate for car loans, car leases and mortgages in the future. II. If you do not use your credit card responsibly, overspending on your credit card limit can have a longstanding and potential negative impact on your credit rating which can prevent you from building a solid credit score. III. If you do not use your credit card responsibly, by not paying your credit card bills on time, it can have a longstanding and potential negative impact on your credit rating which could benefit you in the future. IV. Always borrowing up to your credit limit will help with your credit score. V. Some student credit cards do not have annual fees, offer generous welcome bonus Voints and easy-to-meet eligibility requirements for student starter credit cards. VI. Using your credit card to take out cash from an Automatic Teller Machine (ATM) is convenient but is also cheaper than using your debit card. a) I, II, III, IV and VI b) I, III, and V c) I, II, and V d) II, IV, V and VI e) II and III 2) Katie is graduating from 4 December 2022 at age 22. She is excited as she has successfully interviewed at the career fair and landed a job starting in January 2023 working in banking at CIBC with a gross annual salary of $65,000. She learned in FINA 200 about Group Registered Retirement Savings Plan (Group RRSP) and will sign up for this benefit upon joining as her new employer offers this type of plan. They pay semimonthly so her first pay will be January 15;20231 The best part is if she contributes 6% of her gross annual salary, CIBC will match the contribution to her Group RRSP. Katie has had many summer jobs since she started working summer jobs since age 18; she knows that she has sufficient RRSP contribution room to do so. She expects to retire at age 60 . Assuming a rate of 5% compounded monthly, how much will she have for her retirement? For ease in calculation purposes, assume Katie's salary will remain the same until age 60 a) $997,386 b) $883,809 c) $803,893 d) $932,108 e) $1,016,231