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NEW QUESTION: 1
Your client bought a variable annuity contract that has a 5% contingent deferred sales charge with a
7 -year surrender period four years ago. He has been reading about bonus annuities and 1035 exchanges
and has asked for your advice. You can tell him:
A. that although the exchange doesn't have any tax consequences, he'll be looking at a new, longer,
surrender period.
B. both B and C.
C. that he'll have to pay the 5% deferred sales charge if he executes the exchange.
D. that it's a great idea, and you plan on how you're going to spend the unexpected income.
Answer: B
Explanation:
If your client bought a variable annuity contract with a 7-year surrender period four years ago,
you can tell him that even though there will be no tax consequences associated with the exchange, he'll
have to pay the 5% deferred sales charge if he executes the exchange, and he'll be looking at a new,
longer, surrender period-one of the less desirable features associated with bonus annuities.

NEW QUESTION: 2
UC sells to a customer segment that has dozens of daily order and payment transactions. These customers have
low credit limits which are closely monitored. At the time orders are accepted, management wants to check the
customers available credit in Salesforce using information sourced from a third-party cloud application. What
approach should a consultant recommend for this credit system Integration?
A. Create a daily job using the custom object import wizard to retrieve credit balances.
B. Create a data mapping in Data Loader for periodic manual credit uploads.
C. Create a web service using Apex to retrieve credit balances as needed.
D. Create a scheduled batch using Apex to retrieve credit balances each night.
Answer: C

NEW QUESTION: 3
Which of the following methods is a behavior-based IDS detection method?
A. Knowledge-based detection
B. Statistical anomaly detection
C. Pattern matching detection
D. Protocol detection
Answer: B