Question 4 (1 point) The major Canadian banks tend to be described as being: 1) Risk-takers but only with secured investments. 2) Risk-avoiders unless the return exceeds certain benchmarks. 3) Risk-averse. 4) Risk-evaders. Question 5 (1 point) The federal government agency that governs banks and trust companies is the: NHRA. 2) OSFI. 3) SCCA. 4) FOCA. Question 6 (1 point) A bank deposit: 1) Requires full disclosure of the bank's assets to federal regulators. 2) Requires full disclosure of the client's assets to federal tax authorities. 3) Produces an asset for the client and a liability for the bank. 4) Produces an asset for the client and adds to the bank's equity