IiSA - rscnetwork.co.za€¦ · Web viewAfter consultation with Paul Smith, you have worked out...

Pre Assessment for RPL, Blended learning or Full Training

Pre Assessment to Ascertain Knowledge and ExpeienceFor BL:NOE/Self Study/3X Skills/Facilitated

_____________________________________________________________Name ID Number Organisation Occupation Contact Cell: eMail:

3 Hour On line Closed Book AssessmentOverall Assessment Decision( For completion by Assessor)

Description %

80%+ Excellent at IESA level. 70% to 79% V Good at IESA level. 60% to 69% Good BL SS 3 to 6 50% to 59% Fair BL SS 6 to 12. 49% and less BL SS/Fac 12+

Existing Credits =

Checked INDECIUM.

Other Credits?

Description:

1. Ethics, Compliance & Legislation

2. Economic Environment and Risk

3. Technical Skills – Need analysisLong Term Insurance

4. Technical Skills - Retirement

5. Technical Skills – Tax & Estates

6. Technical Skills - Investments

7. Technical Skills – Insurance

8. Technical Skills – Short Term

Average Core fundamental and generic electives for WM 1 to 6

9. Financial Advice Experience and RangeTime =

Range=

Program: BL/NOE /Self Study 6-12 /Self Study 12 -18 Facilitated

To Be completed by RSC - Motivation:

Cost:

Signature: _________________________ Date: ________________Assessor: Raymond Strodl Number: 0A1300513

© RSC Version 2020 01 01 Page


PLEASE NOTEThis assessment is designed to provide us with a profile of your current level of knowledge and skills that you may have developed during your time in the industry, in the following areas:

1. Ethics, Compliance & Legislation

2. Economic Environment and Risk

3. Technical Skills – Need analysisLong Term Insurance

4. Technical Skills - Retirement

5. Technical Skills – Tax & Estates

6. Technical Skills - Investments

7. Technical Skills – Insurance

8. Technical Skills – Short Term

If you do not have any knowledge or experience in area, leave these section out and we will then assume you have no experience or knowledge in this area.

Please complete ALL the questions as they are used in helping us to decide which type of program will best meet your needs.

Please treat this as a closed book assessment and do not make use of books, the internet or colleagues to answer the questions so that we gain an accurate idea of your current level and areas of knowledge and skill.

This information is very important ad will assist us in helping you choose the best possible way forward to become qualified and eventually “fit and proper”



KNOWLEDGE QUESTIONSMark each correct answer by shading in either the true or false option or select the correct answer from the list of available options by clicking on or lightly shading the correct option. Please only choose ONE option as multiple choices could result in a loss of marks.1 Ethics, Compliance and Legislations

1. The following professional bodies are involved with financial advice and advisers and one of them is an industry body that controls the life insurance offices. Identify this one.

A FPIB LUASAC IBCD ASISA

2. Which of the following actions would be acceptable in terms of the FAIS code of conduct

A Any amount of commission or fee is acceptable as long as the client signs and agrees to the fee.

B You can give client advice even if you employed or controlled by a specific product provider, provided you advise the client of this relationship before they make the decision.

C You can send your letter of introduction setting out your affiliations and qualification at any time in the process as long as they get it before the policy document

D It is acceptable to accept gifts and incentives from product providers to give them more business.

3. Which of the following role players would NOT be effected by the FAIS Act.

A Financial Planner or RepresentativeB Financial Service ProviderC Call Centre agent who provides advice and information on a

life assurance companies productsD A Chartered Accountant who prepares the financial statements

for a small consultants business.

4. The FSP, who holds a licence with the Financial Services Board, is accountable to the Financial Services Board for the implementation, control and monitoring of compliance in accordance with the applicable legislative requirements. The role of the FSP is to provide the consumer with appropriate financial advice.

True False



5. Money laundering is a term used to describe ‘a number of techniques, procedures or processes in which funds obtained through illegal or criminal activities are converted into other assets. This is done in order to conceal their true origin, ownership or any other factors that may indicate an irregularity. The main objective of money laundering is to change the nature of the funds so that they appear to be from a legitimate source which forms part of the formal economy’.

True False

6. Which categoriy of client is recognised in terms of FICA

A Client you have only done a will.B Client you have met a party of social event.C Client with whom you have developed a professional

relationship.D Client with whom you have played golf

7. If a representitive identifies a suspicious transaction they must report this to:

A SA Police Financial BranchB Financial Intelligence CentreC The ScorpionsD You companies internal money laundering officer, compliance

manager, internal audit or duly authorised individual.

8. The South African Reserve Bank (SARB), the country’s central bank, formulates and implements monetary policy, using interest rates as a tool in managing this policy

True False

9. Which of the following systems of marriage are recognised in SA in terms of the SA Constitution and other subordinate legislation.

A Legal marriage in or out of community of property.B Traditional Marriage including polygamyC Religious marriage including multiple wives in terms of Islamic

and other religious ritesD all of the above

10. Which of the following regulators is not involved in retirement fund products?

A Pension Fund AdjudicatorB FAIS OmbudC FSBD Medical Council

Q1 Marks % Result Comment /10 %



Mark each correct answer by shading in either the true or false option or select the correct answer from the list of available options by clicking on or lightly shading the correct option. Please only choose ONE option as multiple choices could result in a loss of marks.2 Economic Envoronment, Current Affairs and Risk

1. During the boom phase there is still an increase in demand and the demand may outweigh the supply. This trend leads to an increase in production costs and consumer prices which may lead to more goods being imported and to an Interest rates rise to curb the increase in consumer prices (inflation).

True False

2. Which of the following statements are correct?

A Disinflation is a increasing rate of inflationB Inflation affects the value of money. It is a continuous decline

in the value of money over a period of time. In other words, inflation is the rate at which the price of goods generally increase, expressed as a percentage.

C Deflation is when average prices rise across an economyD The (CPI) is an index of share prices in a representative

‘average’ South African household.

3. Which of the following would not be used as economic indicator that would have an effect on the SA economy and would effect your advice to the client?

A Head line Inflation or CPIXB The clients personal risk profileC Rand / dollar exchange rateD Prime Rate

4. When researching financial service commentary and opinions to prepare your self to give clients balanced and professional financial advice you should:

A choose the latest guru or expert and follow their advice as this is the cutting edge opinions.

B only follow the advice and direction given by the government and the SA Reserve Bank as they set the financial policy for the country.

C NEVER follow the advice and direction given by the major companies commentators as they are biased and this advice would be flawed.

D read and research the views of a broad range of financial commentators – gurus, journalists, government and major companies - take their obvious bias into account and formulate a balanced opinion of your own.

5. Which of the following organisations would be considered a professional body rather than an industry regulatory or membership body?

A FPI



B FSBC ASISAD LUASA

6. Which of the following events or situations were responsible for the many changes we are seeing in the financial services industry today

A SA ConstitutionB The rise of consumerism in SAC Clients losing money due to poor advice or incompetent

advisersD All of the above.

7. Which of the following statements about scenario planning would be less true?

A Scenarios are stories about what the future environment may hold and how the financial advisor may respond to this.

B By carrying out scenario planning, the financial advisor is in a better position to make strategic planning decisions for both himself and his clients.

C Scenario planning will allow the financial adviser to predict the future.

D The main aim of scenario planning is to describe different outcomes that can be generated by the same set of facts if different options are chosen.

8. If you were conducting research into the risks attached to various financial services in SA which of the following sources would be least useful?

A The FSCA WebsiteB The CIS WebsiteC The INSETA WebsiteD The ASISA Website

9. Which of the following risks to the professional financial planner would be the most difficult to quantify or manage?

A Legislative or Regulatory RiskB Economic RisksC Reputational RiskD Investment Risk

10. Which of the following statements is correct?

A The GDP will give you an indication of the general deposit rates in the market.

B The REPO rate at which repositions have increased in the economy.

C The Prime Rate is the rate at which banks will lend to their prime clients.

D Headline Inflation is the inflation rate for companies rather than individuals

Q 2 Marks % Result Comment



/10 %

Mark each correct answer by shading in either the true or false option or select the correct answer from the list of available options by clicking on or lightly shading the correct option. Please only choose ONE option as multiple choices could result in a loss of marks.

3 Technical Skills – Marketing and Needs Analysis

1. Which of the groups in the following stages of their financial life cycles would be spending capital rather than creating or saving capital?

A Middle aged – married no children B Young unmarriedC Retired – married or singleD Young married and expecting their first child

2. Which of the following financial services products would probably not meet the needs of a young couple with children?

A Compulsory or voluntary annuityB Unit Trusts or collective investment schemeC Endowment PolicyD Savings account

3. An individual who is analytical will make decisions quickly if you avoid providing too much detail and only provide a compelling bottom line reason for changing?

True False

4. Which of the following statements is correct?

A Understanding social styles will enable you to ascertain exactly what your clients needs are with out having to ask questions.

B Understanding the social style of your clients will allow you to manipulate them more effectively.

C Under standing your clients social style will help you in developing and sustaining a professional relationship with your clients.

D Social styles are just another useful sales technique.

5. Which of the following is an incorrect description of the various social styles characteristics?

A Driver is focussed and wants to succeedB Analytical is a very warm and animated individual.C Amiable is a warm people person who wants to be likedD Expressive enjoys meeting new people and speaks a lot.



6. After consultation with Paul Smith, you have worked out that he would need a monthly income of R5 000 in the event of his wife’s death in order to supplement his income and make up for the loss of hers. If the interest rate on a bank saving account is 10%, what capital sum does he need from a life assurance policy in order to provide the required R5 000 per month?

A R1 000 000B R600 000C R900 000D R400 000

7. Use the rule of 72 to caculate what return would you need to achive compounded to double a capital sum in a maximum of 5 years?

A 10% per annumB 12% per annumC 15% per annumD 17% per annum

8. If a client wants to invest an amount monthly to save an amount in a 3 to 5 year term which of the following would you suggest?

A Savings account with a bankB Unit trust or collective investment schemes investmentC An endowment policy with an insurance companyD A living annuity.

9. The FAIS Act requires one of the following when a financial adviser provides financial advice?

A A full financial anlysis of all aspects of the clients situation must be done in every instance.

B A needs analysis can be waived if the client signs a documentC A relevent financial needs analysis should be done which

places the client in a position to make an infirmed decision.D A needs analysis is not required if the clients needs are simple.

10. If a client has a bond of 100 000 at a rate of 11% and has an extra R1000 per month available to save for the next 5 years until they retire, would you suggest they do which of the following?

A Save this in a savings account with the bank getting the best money market rate avalable

B Use this as an extra payment on their bond to reduce the termC Invest this in a guaranteed fund using an endowment policy

which can be used to pay off the bond at retirement.D Make use of a high return but high risk equity fund to get the

best possible return over the next 5 years

Q 3 Marks % Result Comment /10 %




4 Technical Skills – Retirement Plannning

1. You are advising a client on investing for their retirement in 25 years’ time and economic forecasts are for low interest rates due to a slight increase in inflation caused by excessive borrowing in the economy to purchase goods. You would suggest a guaranteed or smooth bonus portfolio for this investment?

True False

2. The pension fund act applies to pension fund and provident funds but would not apply to retirement annuities as these would fall under the Long term Insurance Act

True False

3. Which of the following organisations or individuals would not be responsible for or directly controlled by retirement fund governance in terms of the regulations.

A The Pension Fund AdjudicatorB Board of Trustees in terms of section 7A-7E and the duties and

responsibilities of the BoardC The Association of savings and investments SA(ASISA)D The Financial services Board (FSB)

4. Which of the following statements would not be true in relation to pension funds?

A A pension fund must be approved by the receiver of revenve.B Members funds in a pension or provident fund attract no

income tax liability when in the fundC The lump sum from a pension, provident or retirement annuity

may be taxed at average rates after the tax free portion has been calculated

D A member of a pension or provident fund may move their funds from the fund to a preservation fund on resignation from the company and the fund.

5. Your client who is 61 years old, has a retirement annuity that they took out some time ago which is not reulation 28 compliant and is invested in 100% equity fund. If they had extra funds of R1500 per month to invest. You would recommend they do which of the following?

A Increase the contributions to this fund as they will not be able to invest 100% equity in another type of retirement fund

B Immediately change this fund to a regulation 28 compliant fund as this type of investment is no loonger allowed.



C Invest the extra funds in a separate fund and not make any changes to this fund as this will require it to be changed to regulation 28 compliance.

D Invest in an endowment fund as this would not need to be regulation compliant.

6. Which of the following investments would be used to invest the 2/3 portion of a pension fund at retirement to provide a pension?

A Retirement annuityB Voluntary Living annuityC Compulsory annuityD Income protection plan

7. Which of the following funds would probably be regulation 28 compliant?

A Balanced fundB Property FundC Off shore fundD Equity fund which provides guarantees

8. Which of the following would be used to ensure that the capital from a pension fund is retained until retirement should the client become unemployed due to retrenchment?

A EndowmentB Retirement annuityC Preservation fundD All of the above

9. If a client is invested in a provident fund which of the following would apply to his contributions?

A All his contributions would be subject to a tax saving in his hands

B No contributions to the provident fund is tax deductableC Contributions to a provident made by the employer are tax

deductable in their hands.D 27 % of non retirement fiunding income would be tax

deductable in the employees hand.

10. Which of the following funds would a pension or provident fund be invested in?

A The untaxed fundB The Coprpoate fundC The individual policy holders fundD The corporate policy holders fund





5 Technical Skills – Tax, Estates, Wills and Trusts

1. Which of the following investment options would be the most tax efficient options for a client who wants to invest a R100 000 for the next 5 years, who is currently in a 40 % marginal tax rate and has utilised his full interest exemption.

A Participation Mortgage BondsB 5 year Fixed DepositC Government StockD General Equity Unit Trust

2. Which of the following types of investment would provide the highest after tax return in the hands of the client.

A BondsB Money marketC EquitiesD Notice deposits

3. A client has a endowment policy maturing after 5 years and the proceed will taxed in the following way:

A The capital portion will be tax free but the income is taxed at average rates.

B The proceeds of an endowment is exempt of tax as it has been taxed in terms of the 4 fund approach.

C The proceed will be taxed at marginal rates in line with the 6 th

schedule of the income tax act.D The proceeds are tax free as the funds were invested for 5

years or longer.

4. Which are the following statements is falseA Interest income up to R35000 is deductibleB The SA tax system is residence based. C The SA tax return is called an IT12D PAYE and SITE tax deducted and paid by a company is shown

on the IRP 5 which is submitted to the receive as proof of payment.

5. Which of the following would be used to allow the heir use of an asset on the death of a person while ownership resides in another individual?

A Fide Commissum.B Bare dominium.C Usufruct.D Intervivos trust.



6. Assets left to the spouse will be subject to a section 4Q deduction and would not be subject to estate duty?

True False

7. Which are the following statements is falseA Income from a non discretionary trust would be taxed in the

hands of the beneficiaryB All trusts are taxed at the same rate irrespective if the

beneficiary of the trust is a human individual or a corporate individual

C Last expenses – medical and funeral are deductable when calculating estate duty

D Dividend income in a non discretionary trust would be exempt in the hands of the beneficiary

8. The client has R2m invested off shore in equites. Which of the following would apply to the taxation of the dividends from these investments?

A They are exempt as they are off shore dividendsB All offshore dividends are taxed in SAC All dividends are taxedD None of the above

9. All estate have which of the following amounts as the maximum abatement when calculating estate duty?

A R3 000 000B R3 500 000C R7 000 000D R4 000 000

10. An endowment in the name of an individual, paid by the client as a savings to one day start their own business would be in which of the following funds?

A The untaxed fundB The Coprpoate fundC The individual policy holders fundD The corporate policy holders fund





6 technical Skills – Investment Planning

1. Which of the following investment solutions would provide the client with regular income with the capital portion of the income being exempt?

A EquitiesB Voluntary annuityC Compulsory annuityD Living annuity

2. Which of the following investment options would be considered a low risk investment for a longer term

A Blue Chip shares or equitiesB Gilts or Semi giltsC PropertyD Futures or option

3. Which of the following asset classes would be used to provide stability and security to a portfolio

A JSE Shares or Equities B Property – Commercial or IndustrialC Stocks – Gilts and Semi GittsD Derivatives - Futures and Options

4. Which of the following asset classes would not usually be found in a balanced fund?

A EquitiesB PropertiesC Interest Bearing InvestmentsD Hard Assets

5. Which of the following portfolios would carry the least investment risk for the client?

A Managed FundB Balanced FundC Equity Linked FundD Smooth Bonus Fund



6. The first tier of classification of collective investment schemes is as follows. Mark the one which does not apply

A Domestic – at least 85% of the fund is in SAB World Wide – minimum of 30% in SA and max of 30% offshoreC Foreign – at least 85% outside SAD International – at least 30% on SA 30% in EU and 30% in

USA

7. Which of the following regulators is responsible for the control and regulation of foreign exchange transactions in SA ?

A The Financial Services BoardB The SA Reserve BankC The Department for Foreign AffairsD The Department of Finance

8. Which of the following would you expect to recover more quickly after an investmnent crash?

A Property portfolioB Bond and money market portfolioC Actively managed equity portfolioD Passive or value managed portfolio

9. Which of the following invesrtment types would you consider to be the most high risk?

A EquitiesB Specialist EquitiesC Forex dealingD Derivative trading

10. Which of the following investment portfolios would provide the possibility of high returns with the possibility of losses in the short to meduim terms?

A Money market fundB Activly managed bond funds C Passivly managed equity fundsD Regulation 28 compliant funds





7 Technical Skills – long term Insurance and Employee Benefits

1. What is the purpose of the Pension Fund Act?a) To regulate all retirement moniesb) To provide for registration, regulation and dissolution of

funds, protect members’ rights and ensure minimum solvency standards

c) To monitor how much money people save for retirementd) To provide a complaints process for when members feel their

money is being taken from them

2. How does the Income Tax Act impact on pension funds?a) By defining the tax application of the different types of funds,

as well as the taxation of investment for retirement provisionb) By ensuring that funds pay the greatest amount of tax

possiblec) By registering and regulating pension fundsd) By monitoring how much money people save for retirement

3. What impact does the Long-term Insurance Act have on pension funds?a) It has no impact on pension funds b) It guarantees benefits to members of pension funds c) By requiring insurance providers to be registered as insurers

in order to provide services to pension fundsd) It governs the legislation of all pension funds

4. What role do investments play in pension funds?a) Investments guarantee members a pension provision when

they retireb) Investments are only reserved for shareholders of the

companyc) Investments guarantee growth of savings for membersd) Each pension fund must establish an investment strategy and

policy for the investment portion of members’ monies

5. What impact does the FAIS legislation have on pension funds?a) The FAIS legislation exempts pension funds totallyb) The FAIS legislation requires pension fund advisors to be

licensed in the various aspects of the pension fund product categories



c) The FAIS legislation only has an impact on pension fund administration

d) The FAIS legislation requires that only the advice of the benefit structure of a pension fund be regulated

6. What factors influence employee benefit industry trends?a) How wise people have become with retirement savingsb) Employer concerns and employee needsc) The size of investment and commission people can earnd) How much benefit one can add, irrespective of the cost

7. Risk products that can be added to a pension fund include:a) Death and disability benefitsb) Credit risk coverc) Credit shortfall coverd) House owners cover

8. The key role players in a retirement fund include:a) Both parents of an employee under the age of 21b) The Financial Services Boardc) The CEO of the investment company with whom the

investment of the pension fund is placedd) The trade union to which employees belong

9. What implications could a proposal hold for an existing pension fund?a) New rules have to be implemented in any change of a fundb) The fund is re-registered each time any change is madec) Administration, structural or legislative changesd) There are normally no changes to an existing fund

10.What are the duties of trustees in the management of a pension fund?a) The management board of a fund have the power (in terms of

the rules) to do all things necessary to give effect to the rules of a fund

b) To ensure there is effective management of the company and its affairs

c) To only speak to members when the union asks for information

d) To represent their own interests first, as generally this will work for all other members of the fund





8 Technical Skills – Short Term Insurance – Personal Lines

1. What does the principle of insurable interest mean?a) The insured requires cover for his grandson’s car.b) The insured claims for loss of a neighbour’s lawnmower.c) The insured has to suffer a loss of an item, which he owns.d) The insured’s property is 100% bonded to a bank.

2. What is the purpose of underwriting criteria?a) To establish the profitability of the insurerb) To establish the correct premium on a riskc) To identify high and low risksd) To rate the premium as per client’s risk address

3. What is comprehensive cover as applied in insurance?a) It covers anything that could happen to a vehicle.b) It covers the injury of third parties only.c) It covers theft and accident damage and damage to third

parties.d) It covers only certain incidents to a vehicle.

4. With whom does the duty of disclosure lie?a) The intermediaryb) The intermediary and insurerc) The insuredd) The intermediary, insurer, as well as insured

5. What is average used for?a) To establish the sum insuredb) To even out the premium between sectionsc) To establish the contribution of a claimd) In the event of underinsurance on a claim

6. What is the purpose of underwriting criteria?a) For the underwriter to charge a higher premiumb) To ensure that the client pays the correct premium for the

risk exposurec) To impose penalties on the insured for certain claims



d) To ensure that the client claims the right amount when he suffers a loss

7. What components are included in a comparison of cover?e) Premium, benefits and loadings appliedf) Period of insuranceg) Previous insurance recordh) Location and nature of risk

8. What is reinsurance?a) A financial facility available to insurers to pay losses claimed

forb) A means of guarantee for insurance companies against

financial lossesc) A means by which an insurance company can financially

protect itself with other insurance companies against the risk of losses

d) A security for co-insurers that losses will be covered

9. What are retention limits?e) Limits of cover provided in any one section of a policyf) The maximum liability in respect of any loss that an insurer

wishes to retaing) The minimum liability a reinsurer will accept for a lossh) The minimum amount that an insured can claim for in the

event of a loss

10.What are the components of premium that the representative must disclose?a) Premium for cover provided, portion of SASRIA applied,

additional loadings or discounts, admin fees, broker commission and VAT

b) Premium charged per section of the policyc) Admin fees, broker commission and VAT as the rest is

detailed in the policy wordingd) SASRIA and other hidden costs




9. Evaluate your self on the following to gain an understanding of your range of experience in financial services

1. Which of the following best describe your involvement in protecion planning?

A Involved in basic life insurance and funeral policies – Cat BB Give advice on life insurance and lump sum disabilityC Give advice on life insurance, lump sum disability, income

disability and dread disease insurance to individualsD Give advice on life insurance, lump sum disability, income

disability, dread disease insurance and professional cover to self employed individuals and companies

E I do not do protection planning

2. Which of the following best describes your involement in retirement planning?

A I do not do retirement planningB I sell the occaional retirement annuity and provide advice on

planning for retirementC I sell retirement annuities and advice on planning with

lumpsums at retirement.D My main focus is on planning for investment at retirement.E My main focus is on employee benefits and providing advice to

companies group on benefits

3. Which of the following best describes your involvement in estate planning and wills?

A I do not do estate planning or wills for my clients. These are passed on to a wills and trust specialist

B I do wills for my clients using will forms and these are then drafted by an estates specialist who then deal with the client.

C I do wills and trusts for my clients making use of an estate specialist but remain involved with the client in this areas and get wills signed.

D I am a wills , trust and estate planning specialist.

4. Which of the following best describes your involvement in investment planning?

A I do not do any investment planningB I only do monthly savings plans for my clients using

endowments, unit trusts or retirement annuities for my clients but do not do lump sum investments.

C I do monthly savings and lump sum investment for my clients and provide advice on use of funds and managers to meet the clients investment needs and risk profile.

D Most of my focus is on lump sum investment planning and I provide advice on use of managers, funds and products that will best meet their investment needs and risk profile.

E I help my clients to manage their investment protfolios by providing advice on tax, investments, risk, the market and strategies that will help them to achieve their investment goals.



5. Which of the following best describes your involvement in business assurance?

A I do not do business assurance as I only deal with individualsB I provide advice on a range of business assurance, which

includes buy and sell, parntership insurance, keyman and other busines policies.

C I am involved in business assurance which includes conforming and non conforming poicies, debt redemtion plans and group benefits

D I am involed in group benefits, pensions and medical planning for companies and trade unions and very rarely deal with individual clients.

6. How long have you been involved in the financial services industry?

A 1 year or lessB 2 to 4 yearsC 5 years or moreD 10 years or more

7. Which of the following areas of the financial services industry have been employed in during your time in the industry. You may choose as many as you need?

A Funeral poicies and basic life Insurance Cat BB Life insurance and disability Cat CC Endowments and retirement annuities – monthly savings Cat CD Unit Trusts and Collective Investments schemesE Lump sum endowments and annuitiesF Wills, Trusts and Estae PlanningG Personal Line insuranceH Commercial Line InsuranceI Medical Aids and health insuranceJ Banking products

8. Which best describes your highest education level?

A Matric or NQF level 4 in financial servicesB 30+ Credits towards level 5 in financial servicesC 60+ cerdits towards level 5 in financial servicesD 90+ credits towards level 5 in financial servicesE Full qualification(120 credits or more) at level 6 that is not

relevent to financial services

9. Do you use any of the following social media and applications? A FaceBookB TwitterC Linked InD SkypeE DropboxF Other



Comment on how you make use of the above?

10. Give a short description of your current position with your current employer?

11. Give a short description of your existing qualifications – certified copies of these certificates must be submitted?

12. Any comments or information you feel would be relevent?



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