Regulations on electronic commerce in order to protect consumers. This legislation covers all transactions that allow consumers to immediately withdraw money from a hank account, including the following: ATM transactions, direct deposits. pay-by-phone, systems, personal Computer banking, debit card purchases or payment, transactions electronic check conversion - Benefits of online banking C TrucC False Checks and Cash - Bank notes were phased out and replaced with C Truck False Disadvantage of a savings account is that account holders may have limited access to their funds. - Savings Account Benefits C True False Fill-In-The-Blank 1. Risk is 2. Upside down loans represent risk 3. Policies that deal with day to day activities at the bank would be 4. Mobile banking gives a high exposure to risk. 5. Misuse of personal financial information may increase risk 6. When a mortgage is bigger than the fair market value, the loan 7, This tells if a bank has enough cash and cash equivalents to cover obligations 8. Coment ratio is a measure or 9. The formula for the PE ratio is PE-_ Acomings pur share. 10. The indicates the number of non-performing loans a bank has on its books. 1 1. The higher the loans to assets ratio, the the bank. Credit Operations Exposure to a chance of a loss Upside down IT Legal Repatational risk Price per share Liquidity Riskier Current Ratio