KYC AML::
1) The Government had amended the Prevention of Money Laundering (Maintenance of Records) Rules,
2005, for setting up of the :
a) Central KYC Records Registry (CKYCR).
b) Centralised KYC Records Registry (CKYCR)
c) Core KYC Records Registry (CKYCR)
d) Common KYC Records Registry (CKYCR)
2) The _______ would receive, store, safeguard and retrieve the KYC records in digital form of a client, for
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 54 | P a g e
which necessary amendments to the Rules have been made. The KYC records received and stored could
be retrieved online by any reporting entity across the financial sector for the purpose of establishing an
account based relationship:
a) CRILC b) CKYCR c) CERSAI d) None
3) The Government of India has authorised the _______ to act as, and to perform the functions of the
Central KYC Records Registry (CKYCR). All Regulated Entities (REs) shall capture KYC information
for sharing with the CKYCR in the manner prescribed for ‘individuals’ and ‘Legal Entities’:
a) Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI)
b) Reserve Bank of India.
c) Banking Codes and Standards Board of India (BCSBI)
d) Financial Action Task Force (FATF)
4) RBI has decided to modify the procedure for exchanging mutilated / imperfect notes in order to
improve customer service and enhance customer protection. Where the number of notes presented by a
person is up to ___ pieces with a maximum value of ____per day, banks should exchange them over the
counter, free of charge:
a) 10 pieces; Rs.5,000 b) 20 pieces; Rs.5,000
c) 15 pieces; Rs.3,000 d) 20 pieces; Rs.4,000
5) Where the number of mutilated / imperfect notes presented by a person exceeds 20 pieces or
Rs.5,000 in value per day, banks may accept them, against receipt, for value to be credited later. Banks
may levy service charges as permitted in the extant guidelines. In case tendered value is above _____
banks are expected to take the usual precautions:
a) Rs.10,000 b) Rs.20,000c) Rs.40,000 d) Rs. 50,000
6) Where the number of mutilated / imperfect notes presented by a person is up to ____ pieces per day,
non-chest branches should normally adjudicate the notes and pay the exchange value over the counter.
a) 3 b) 5 c) 8 d) 10
7) If the non-chest branches are not able to adjudicate the mutilated notes, the notes may be received
against a receipt and sent to the linked currency chest branch for adjudication. The probable date of
payment should be informed to the tenderers on the receipt itself and the same should not exceed ____.
Bank account details should be obtained from the tenderers for crediting the exchange value by
electronic means:
a) 10 days b) 20 days c) 30 days d) 40 days
8) Where the number of mutilated / imperfect notes presented by a person is more than 5 pieces not
exceeding _____ in value, the tenderer should be advised to send such notes to nearby currency chest
branch by insured post giving his / her bank account details (a/c no, branch name, IFSC, etc) or get them
exchanged thereat in person:
a) Rs. 20,000 b) Rs. 15,000 c) Rs.10,000d) Rs.5,000
9) The Reserve Bank has decided that in addit ion to previous l imits, banks will be
permit ted to reckon
government securities held by them up to another ___ of their Net Demand and Time Liabilities (NDTL)
under Facility to Avail Liquidity for Liquidity Coverage Ratio (FALLCR) within the mandatory Statutory
Liquidity Ratio (SLR) requirement as level 1 High Quality Liquid Assets (HQLA) for the purpose of
computing their Liquidity Coverage Ratio (LCR). Hence, the total carve-out from SLR available to banks
would be ____ of their NDTL:
a) 1%;11% b) 2%;11% c) 3%;12% d) 4%;12%
10) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Sector’, the Eligible Promoters include Individuals / professionals who are ‘residents’ and have _____ of
experience in banking and finance at a senior level.
a) 8 years b) 9 years c) 10 years d) 11 years
11) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Sector’, the entities/groups in the private sector that are ‘owned and controlled by residents’ and have a
successful track record for at least 10 years, provided that if such entity/group has total assets of Rs. 50
billion or more, the non-financial business of the group does not account for ____or more in terms of total
assets/in terms of gross income are eligible for application.
a) 20% b) 25% c) 30% d) 40%
12) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Sector’, Existing non-banking financial companies (NBFCs) that are ‘controlled by residents’ and have a
successful track record for at least ______ years are eligible for application:
a) 5 years b) 10 years c) 12 years d) 15 years
13) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 55 | P a g e
Sector’, Individual promoters/promoting entities/converting entities that have other group entities, shall set
up the bank only through an NOFHC. Not less than _____ of the total paid-up equity capital of the NOFHC
shall be owned by the Promoter / Promoter Group:
a) 49% b) 50% c) 51% d) 55%
14) With regards to Licensing norms of Universal Banks in the Private Sector, the initial minimum paid-up
voting equity capital for a bank shall be______. Thereafter, the bank shall have a minimum net worth of
Rs. five billion at all times:
a) Rs.20 bn b) Rs.15 bn c) Rs.10 bn d) Rs.5 bn
15) As per RBI guidelines, the promoter/s and the promoter group / NOFHC, as the case may be, shall
hold a minimum of ___ of the paid-up voting equity capital of the bank which shall be locked-in for a period
of five years from the date of commencement of business of the bank:
a) 25% b) 35% c) 40% d) 45%
16) As per RBI guidelines as regards promoter group shareholding, the promoter group shareholding
shall be brought down to ____ within a period of _____ from the date of commencement of business of
the bank:
a) 10%; 10yrs b) 15%; 15 yrs c) 15%; 10 yrs d) 12%; 15yrs
17) With respect to RBI Guidelines relating to Foreign Shareholding in the Bank, the foreign shareholding
in the bank would be as per the existing foreign direct investment (FDI) policy subject to the minimum
promoter shareholding requirement. At present, the aggregate foreign investment limit is _____ per cent:
a) 62% b) 74% c) 78% d) 80%
18) With regards to licensing norms of Universal Banks in the Private Sector, the bank shall get its
shares listed on the stock exchanges within ___ years of the commencement of business by the bank:
a) 2 yrs b) 3 yrs c) 5 yrs d) 6 yrs
19) As per RBI guidelines relating to licensing norms of Universal Banks in the Private Sector, the bank
shall open at least ___ of its branches in unbanked rural centres (population up to 9,999 as per the latest
census):
a) 10% b) 20% c) 25% d) 30%
20) As per RBI guidelines relating to licensing norms of Universal Banks in the Private Sector, the validity
of the in-principle approval issued by the RBI will be ____ from the date of granting in-principle approval
and would thereafter lapse automatically:
a) 6 months b) 12 months c) 18 monthsd) 24 months
21) All branches of Banks in all parts of the country should provide which of the following customer
services, more actively and vigorously to the members of public so that there is no need for them to
approach the RBI Regional Offices for this purpose?
a) Issuing fresh / good quality notes and coins of all denominations on demand,
b) Exchanging soiled / mutilated / defective notes
c) Accepting coins and notes either for transactions or exchange.
d) All of these.
22) With a view to extending the facility for the benefit and convenience of public, all branches of banks
have been delegated powers under Rule 2(j) of _______ for exchange of mutilated / defective notes free
of cost:
a) Reserve Bank of India (Note Refund) Rules, 2008
b) Reserve Bank of India (Note Refund) Rules, 2009
c) Reserve Bank of India (Note Refund) Rules, 2010
d) Reserve Bank of India (Note Refund) Rules, 2011
23) A ______means a note which has become dirty due to normal wear and tear and also includes a two
piece note pasted together wherein both the pieces presented belong to the same note and form the
entire note with no essential feature missing:
a) Soiled Note b) Mutilated Note
c) Imperfect Note d) Defective Note
24) Which of the following statements is true with respect to RBI Guidelines relating to Soiled Notes?
a) These notes should be accepted over bank counters in payment of Government dues and for credit to
accounts of the public maintained with banks.
b) In no case, these notes should be issued to the public as reissuable notes and shall be deposited in
currency chests for onward transmission to RBI offices as soiled note remittances for further
processing.
c) Both of these. d) None of these.
25) A _______ is a note of which a portion is missing or which is composed of more than two pieces.
These notes may be presented at any of the bank branches and shall be accepted, exchanged and
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 56 | P a g e
adjudicated in accordance with Reserve Bank of India (Note Refund) Rules 2009:
a) Soiled Note b) Mutilated Note
c) Defective Note d) Deliberately Cut Note
26) Which of the following types of notes shall not be accepted by the bank branches for exchange.
Instead, the holders may be advised to tender these notes to the concerned Issue Office where they will
be adjudicated under a Special Procedure:
a) Turned extremely brittle b) Badly Burnt
c) Charred d) Inseperably stuck up together
e) All of the above.
27) Every Officer-in-charge of the branch i.e. the Branch Manager and every Officer-in-charge of the
Accounts or Cash Wing of the Branch shall act as _______ in each branch to adjudicate the notes
received at the branch for exchange in accordance with Reserve Bank of India (Note Refund) Rules,
2009:
) Prescribed Officer b) Exchange Officer
c) Settlement Officer d) Cash In charge
28) Which of the following points are true with respect to record keeping instructions for Mutilated Notes?
a) After adjudicating mutilated notes, the Prescribed Officer is required to record his order by subscribing
his initials to the dated 'PAY'/ 'PAID'/ 'REJECT' stamp.
b) Mutilated / defective notes bearing 'PAY'/'PAID' (or 'REJECT') stamp of any RBI Issue Office or any
bank branch, if presented for payment again at any of the bank branches should be rejected under
Rule 6(2) of Reserve Bank of India (Note Refund) Rules, 2009.
c) All bank branches have instructions not to issue notes bearing PAY/PAID stamps to the public even
through oversight.
d) The branches should caution their customers not to accept such notes from any bank or anybody else.
e) All of these.
29) Any note with slogans and message of a political nature written across it ceases to be a legal tender
and the claim on such a note will be rejected under _____ of Reserve Bank of India (Note Refund) Rules,
2009:
a) Rule 6(3) (i) b) Rule 6(3) (ii)
c) Rule 6(3) (iii) d) Rule 6(3) (iv)
30) The notes, which are found to be deliberately cut, torn, altered or tampered with, if presented for
payment of exchange value should be rejected _____of the Reserve Bank of India (Note Refund) Rules,
2009:
a) Under Rule 6(3)(i) b) Under Rule 6(3)(ii)
c) Under Rule 6(3)(iii) d) Under Rule 6(3)(iv)
31) With regards to disposal of notes adjudicated at bank branches, the full value paid notes have to be
remitted by all branches to the ______ with which they have been linked and there from to the Issue
Offices concerned together with the next soiled note remittance in the manner already laid down:
a) Chest Branches b) Circle Office
c) Head Office d) Zonal Office
32) The full value paid notes will be treated as chest remittance by the Issue Office while the half value
paid notes and rejected notes will be treated as notes tendered for _____and processed accordingly:
a) Settlement b) Adjudication
c) Exchange d) None of these.
33) All chest branches are required to submit to Issue Offices a _____ statement showing the number of
notes adjudicated during that period:
a) Fortnightly b) Monthly c) Quarterly d) Half Yearly
34) Which of the following points are correct with regards to agreement between RBI and commercial
banks relating to acceptance of coins in exchange of notes?
a) The bank branches should accept coins in exchange of notes.
b) They should accept coins of all denominations which are legal tender under the Indian Coinage Act,
2011 from any member of public without any restriction and pay the value in notes.
c) They should use Coin counting machines or accept coins by weight for large receipts to facilitate the
customers. d)Only a & b e) All (a), (b) & (c)
35) The coins of denomination of ____, issued from time to time, ceased to be legal tender for payments
as well as account with effect from June 30, 2011:
a) 20 Paise and below b) 25 Paise and below
c) 50 Paise and below d) All of these.
36) All coins of denomination of 25 Paise and below should be retained in the (SCDs) of the bank till
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 57 | P a g e
further advise from Reserve Bank of India. What does SCD stand for?
a) Small Coin Depots b) Small Currency Depots
c) Small Coin Deposits d) Small Currency Deposits’
37) The study of counterfeit currency has unearthed that fake Indian currency notes (FICN) worth Rs.
_____ crore are infused into the Indian market every year with agencies only being able to intercept one
third of them:
a) Rs. 50 Crore b) Rs. 60 Crore
c) Rs. 70 Crore d) Rs. 80 Crore
38) Which of the following points are true with respect to RBI guidelines relating to Detection of Counterfeit
Notes?
a) Banknotes tendered over the counter / received directly at the back office / currency chest through
bulk tenders should be examined for authenticity through machines.
b) No credit to customer’s account is to be given for counterfeit notes, if any, detected in the tender
received over the counter or at the back-office / currency chest.
c) In no case, the counterfeit notes should be returned to the tenderer or destroyed by the bank branches
/ treasuries.
d) Failure of the banks to impound counterfeit notes detected at their end will be construed as willful
involvement of the bank concerned, in circulating counterfeit notes and penalty will be
imposed for violation. e) All of these.
39) Notes determined as counterfeit shall be stamped as _______ and impounded in the prescribed
format. Each such impounded note shall be recorded under authentication, in a separate register.
a) Counterfeit note b) Fake note
c) Duplicate note d) Any of these.
40) When a banknote tendered at the counter of a bank branch/back office and currency chest or treasury
is found to be counterfeit, an acknowledgement receipt in the prescribed format must be issued to the
tenderer, after stamping the note. The receipt, in running serial numbers, should be authenticated by the
______ and ______. The receipt is to be issued even in cases where the tenderer is unwilling to
countersign it. a) Cashier, Branch Manager b) Cashier; Tenderer
c) Branch Manager; Tenderer d) None of these
41) For cases of detection of counterfeit notes upto ___ pieces, in a single transaction, a consolidated
report in the prescribed format should be sent by the Nodal Bank Officer to the police authorities or the
Nodal Police Station, along with the suspect counterfeit notes, at the end of the month.
a) 8 b) 6 c) 4 d) 3
42) For cases of detection of counterfeit notes of ____ pieces, in a single transaction, the counterfeit notes
should be forwarded by the Nodal Bank Officer to the local police authorities or the Nodal Police Station
for investigation by filing FIR in the prescribed format.
a) 8 or more b) 6 or more c) 5 or more d) 4 or more
43) A copy of the monthly consolidated report / FIR shall be
sent to the ____ constituted at the Head Office of the
bank (only in the case of banks), and in the case of the treasury, it should be sent to the Issue Office of
the Reserve Bank concerned.
a) Forged Note Vigilance Cell b) FATCA
c) Banking Ombudsman d) Financial Action Task Force
44) W.r.t. guidelines pertaining to counterfeit notes, acknowledgement of the police authorities
concerned has to be obtained for notes forwarded to them both as consolidated _____ statement and
FIR. If the counterfeit notes are sent to the police by insured post, acknowledgement of receipt thereof
by the police should be invariably obtained and kept on record.
a) Weekly b) Quarterly c) Monthly d) Bi-Monthly
45) The progress made by banks in detection and reporting of counterfeit notes to Police, RBI, etc. and
problems
thereof, should be discussed regularly in the meetings of which of the following State Level Committees?
a) State Level Bankers’ Committee (SLBC),
b) Standing Committee on Currency Management (SCCM),
c) State Level Security Committee (SLSC)
d) State Level Coordination Committee (SLCC)
e) Only (a), (b) & (c) f) All from (a) to (d)
46) The data on detection of counterfeit Indian notes at bank branches & treasuries should be included
in the ______ Returns forwarded to the Reserve Bank Issue Offices:
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 58 | P a g e
a) Fortnightly b) monthly c) Bi-monthly d) Quarterly
47) The banks should re-align their cash management in such a manner so as to ensure that cash
receipts in the denominations of _____and above are not put into recirculation without the notes being
machine processed for authenticity:
a) Rs. 20 b) Rs. 50 c) Rs. 100 d) Rs. 500
48) As per RBI guidelines, penalty at ____ of the notional value of counterfeit notes, in addition to the
recovery of loss to the extent of the notional value of such notes, will be imposed when counterfeit
notes are detected in the soiled note remittance of the bank and in the currency chest balance of a
bank during Inspection / Audit by RBI:
a) 50% b) 60% c) 80% d) 100%
49) The responsibility of ensuring the quality and genuineness of cash loaded at _______would be that
of the Sponsor Bank:
a) White Label ATM’s b) Brown Label ATM’s
c) Both (a) & (b) d) None of these.
50) Data on counterfeit notes detected by all the branches of the bank shall be reported in the
prescribed format, on a monthly basis. A statement showing the details of counterfeit notes detected
in the bank branches during the month shall be compiled and forwarded to the Issue Office of
Reserve Bank concerned so as to reach them by ___ of the next month:
a) 5th b) 6th c) 7th d) 8th
51) Under Rule 3 of Prevention of Money Laundering Rules, 2005, Principal Officers of banks are also
required to report information on cash transactions where forged notes have been used as genuine
note to The Director, FIU-IND, Financial Intelligence Unit- India, within _____ working days. A ‘nil’
report may be sent in case no counterfeit has been detected during the month.
a) 5 b) 7 c) 10 d) 14
52) All Counterfeit Notes received back from the police authorities/courts may be carefully preserved in
the safe custody of the bank and a record thereof be maintained by the branch concerned. These
Counterfeit Notes at branches should be subjected to verification on a _____ basis by the Officer-in-
Charge of the bank office concerned. They should be preserved for a period of ____years from the
date of receipt from the police authorities.
a) Half-yearly; 3 b) Yearly; 3
c) Quarterly; 3 d) Bi-monthly; 3
53) As per RBI guidelines, Counterfeit notes, which are the subject matter of litigation in the court of law
should be preserved with the branch concerned for a period of ____ years after conclusion of the
court case.
a) 1 year b) 2 years c) 3 years d) 4 years
54) As per RBI guidelines relating to reporting of Currency Chest Transactions, the minimum amount of
deposit into/withdrawal from currency chest will be ______ and thereafter, in multiples of Rs._____.
a) 50,000; 10,000 b) 1,00,000; 50,000
c) 1,50,000; 50,000 d) 2,00,000; 1,00,000
55) With regards to RBI guidelines relating to Time Limit for Reporting, the currency chests should
invariably report all transactions through ICCOMS on the same day by ______ by uploading data through
the Secured Website (SWS) to their respective link offices. Link offices should invariably report the
consolidated position to the Issue Offices latest by ____on the same day.
a) 7 PM; 9PM b) 8 PM; 10PM c) 9 PM; 11PM
d) 10 PM;12PM e) 11 PM; 12 PM
56) In the event of delay in reporting currency chest transactions, penal interest will be levied on the
amount due from the chest holding bank for the period of delay which will be calculated on _____basis.
However, Reserve Bank may at its discretion grant appropriate grace period in the matter of levy of penal
interest.
a) T+0 basis b) T+1 basis c) T+2 basis d) T+3 basis
57) Which of the following points are true with respect to levy of Penal interest on wrong reporting?
a) Penal interest will be levied in respect of all cases of wrong reporting in the same manner till the date
of receipt of corrected advice by Reserve Bank.
b) Penal interest will invariably be levied in all cases of wrong reporting in the Link Office Statements
even if the reporting was done correctly in the chest slips.
c) Both of these. d) None of these.
58) As per RBI guidelines, Soiled note remittances to RBI /diversion to other currency chest/s should
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 59 | P a g e
not be shown as withdrawal by chest/s / link offices. In case such remittances are wrongly reported as
'withdrawals', a penalty of ______ will be levied irrespective of the value of remittance and period of
such wrong reporting:
a) Rs. 25,000 b) Rs. 35,000c) Rs.50,000 d) Rs.75,000
59) Penal interest will be levied in all cases where the bank has enjoyed 'ineligible' credit in its current
account with Reserve Bank on account of which of the following reasons pertaining to transactions?
a) Wrong reporting / delayed reporting / non-reporting of transactions
b) Shortages in chest balances / remittances
c) Shortages due to pilferage / frauds
d) Counterfeit banknotes detected in chest balances /
e) Remittances as per the prevailing “scheme of Penalties”
f) All of the above.
60) Which type of cash balance is not eligible for inclusion in the Chest balances?
i) Cash held in the custody of joint custodians and 'freely available' to them.
ii) Cash kept for safe custody in sealed covers for whatever reasons.
iii) Cash in trunks/bins under the lock and key of any official/s other than the Joint Custodians or bearing
a third lock put by any official in addition to the two locks of the Joint Custodians:
a) All from (i) to (iii) b) (i) & (ii) only
c) (ii) & (iii) only d) (i) & (iii) only
61) Penal interest shall be levied at the rate of ___ over the prevailing Bank Rate for the period of delayed
reporting / wrong reporting/non-reporting / inclusion of ineligible amounts in chest balances:
a) 1% b) 2% c) 3% d) 4%
62) Representations made for reconsideration of the Reserve Bank's decision for levy of penal interest for
delayed reporting on account of genuine difficulties faced
by chests especially in hilly/remote areas and those affected by natural calamities, etc., may be made to
the Issue Office concerned through the Head / Controlling office of the bank concerned within ___ from
date of debit of the bank concerned:
a) A week b) A fortnight c) A month d) Two months
63) What is the Penalty to be imposed on banks for deficiencies in exchange of notes and
coins/remittances sent to RBI/operations of currency chests etc. with respect to shortages in soiled note
remittances and currency chest balances for notes in denomination upto Rs.50?
a) Rs. 50 per piece in addition to the loss
b) Rs.25 per piece in addition to the loss
c) Rs. 20 per piece in addition to the loss
d) Rs.10 per piece in addition to the loss
64) What is the penalty to be imposed on banks for deficiencies in exchange of notes and
coins/remittances sent to RBI/operations of currency chests etc. with respect to shortages in soiled note
remittances and currency chest balances for notes in denomination of Rs. Rs.100 & above?
a) Equal to the value of the denomination per piece in addition to the loss
b) Rs. 80 per piece in addition to the loss
c) Rs. 75 per piece in addition to the loss
d) Rs. 50 per piece in addition to the loss.
65) In case, mutilated notes detected in soiled note remittances and currency chest balances, the penalty
levied shall be _____per piece irrespective of the denomination.
a) Rs. 20 b) Rs. 50 c) Rs. 75 d) Rs. 100
66) In case, mutilated notes detected in soiled note remittances and currency chest balances, mutilated
notes of 100 pieces and above per remittance shall be debited immediately and penalty may be levied on
reaching a limit of ______ in a cumulative manner.
a) 50 pieces b) 70 pieces c) 100 pieces d) 125 pieces
67) In case of non-compliance with operational guidelines by currency chests is detected by RBI officials
such as Nonfunctioning of CCTV; Branch cash/documents kept in strong room; Non-utilization of NSMs
for sorting of notes the penalty of Rs. _____ shall be levied for each irregularity & same shall be enhanced
to Rs. _____ in case of repetition.
a) Rs. 2500; Rs. 5,000 b) Rs. 5,000; Rs. 10,000
c) Rs. 10,000; Rs. 15,000 d) Rs. 10,000; Rs. 20,000
68) As per RBI guidelines, appeal against the decision of the competent authority can be made with
regards to imposition of penalty for non-compliance with operational guidelines by the Controlling Office of
the currency chest/branch to the Regional Director of the Regional Office concerned, within _____ from
the date of debit, who may decide whether the same can be accepted/ rejected:
a) 2 months b) 1 month* c) 15 days d) 1 week
Ans:
1 A 2 B 3 A 4 B 5 D 6 B 7 C
8 D 9 A 10 C 11 D 12 B 13 C 14 D
15 C 16 B 17 B 18 D 19 C 20 C 21 D
22 B 23 A 24 C 25 B 26 E 27 A 28 E
29 C 30 B 31 A 32 B 33 B 34 E 35 B
36 A 37 C 38 E 39 A 40 B 41 C 42 C
43 A 44 C 45 E 46 B 47 C 48 D 49 A
50 C 51 B 52 A 53 C 54 B 55 C 56 A
57 C 58 C 59 F 60 C 61 B 62 C 63 A
64 A 65 B 66 C 67 B 68 B
1) The Government had amended the Prevention of Money Laundering (Maintenance of Records) Rules,
2005, for setting up of the :
a) Central KYC Records Registry (CKYCR).
b) Centralised KYC Records Registry (CKYCR)
c) Core KYC Records Registry (CKYCR)
d) Common KYC Records Registry (CKYCR)
2) The _______ would receive, store, safeguard and retrieve the KYC records in digital form of a client, for
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 54 | P a g e
which necessary amendments to the Rules have been made. The KYC records received and stored could
be retrieved online by any reporting entity across the financial sector for the purpose of establishing an
account based relationship:
a) CRILC b) CKYCR c) CERSAI d) None
3) The Government of India has authorised the _______ to act as, and to perform the functions of the
Central KYC Records Registry (CKYCR). All Regulated Entities (REs) shall capture KYC information
for sharing with the CKYCR in the manner prescribed for ‘individuals’ and ‘Legal Entities’:
a) Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI)
b) Reserve Bank of India.
c) Banking Codes and Standards Board of India (BCSBI)
d) Financial Action Task Force (FATF)
4) RBI has decided to modify the procedure for exchanging mutilated / imperfect notes in order to
improve customer service and enhance customer protection. Where the number of notes presented by a
person is up to ___ pieces with a maximum value of ____per day, banks should exchange them over the
counter, free of charge:
a) 10 pieces; Rs.5,000 b) 20 pieces; Rs.5,000
c) 15 pieces; Rs.3,000 d) 20 pieces; Rs.4,000
5) Where the number of mutilated / imperfect notes presented by a person exceeds 20 pieces or
Rs.5,000 in value per day, banks may accept them, against receipt, for value to be credited later. Banks
may levy service charges as permitted in the extant guidelines. In case tendered value is above _____
banks are expected to take the usual precautions:
a) Rs.10,000 b) Rs.20,000c) Rs.40,000 d) Rs. 50,000
6) Where the number of mutilated / imperfect notes presented by a person is up to ____ pieces per day,
non-chest branches should normally adjudicate the notes and pay the exchange value over the counter.
a) 3 b) 5 c) 8 d) 10
7) If the non-chest branches are not able to adjudicate the mutilated notes, the notes may be received
against a receipt and sent to the linked currency chest branch for adjudication. The probable date of
payment should be informed to the tenderers on the receipt itself and the same should not exceed ____.
Bank account details should be obtained from the tenderers for crediting the exchange value by
electronic means:
a) 10 days b) 20 days c) 30 days d) 40 days
8) Where the number of mutilated / imperfect notes presented by a person is more than 5 pieces not
exceeding _____ in value, the tenderer should be advised to send such notes to nearby currency chest
branch by insured post giving his / her bank account details (a/c no, branch name, IFSC, etc) or get them
exchanged thereat in person:
a) Rs. 20,000 b) Rs. 15,000 c) Rs.10,000d) Rs.5,000
9) The Reserve Bank has decided that in addit ion to previous l imits, banks will be
permit ted to reckon
government securities held by them up to another ___ of their Net Demand and Time Liabilities (NDTL)
under Facility to Avail Liquidity for Liquidity Coverage Ratio (FALLCR) within the mandatory Statutory
Liquidity Ratio (SLR) requirement as level 1 High Quality Liquid Assets (HQLA) for the purpose of
computing their Liquidity Coverage Ratio (LCR). Hence, the total carve-out from SLR available to banks
would be ____ of their NDTL:
a) 1%;11% b) 2%;11% c) 3%;12% d) 4%;12%
10) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Sector’, the Eligible Promoters include Individuals / professionals who are ‘residents’ and have _____ of
experience in banking and finance at a senior level.
a) 8 years b) 9 years c) 10 years d) 11 years
11) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Sector’, the entities/groups in the private sector that are ‘owned and controlled by residents’ and have a
successful track record for at least 10 years, provided that if such entity/group has total assets of Rs. 50
billion or more, the non-financial business of the group does not account for ____or more in terms of total
assets/in terms of gross income are eligible for application.
a) 20% b) 25% c) 30% d) 40%
12) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Sector’, Existing non-banking financial companies (NBFCs) that are ‘controlled by residents’ and have a
successful track record for at least ______ years are eligible for application:
a) 5 years b) 10 years c) 12 years d) 15 years
13) As per the Reserve Bank of India guidelines for ‘On Tap’ Licensing of Universal Banks in the Private
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 55 | P a g e
Sector’, Individual promoters/promoting entities/converting entities that have other group entities, shall set
up the bank only through an NOFHC. Not less than _____ of the total paid-up equity capital of the NOFHC
shall be owned by the Promoter / Promoter Group:
a) 49% b) 50% c) 51% d) 55%
14) With regards to Licensing norms of Universal Banks in the Private Sector, the initial minimum paid-up
voting equity capital for a bank shall be______. Thereafter, the bank shall have a minimum net worth of
Rs. five billion at all times:
a) Rs.20 bn b) Rs.15 bn c) Rs.10 bn d) Rs.5 bn
15) As per RBI guidelines, the promoter/s and the promoter group / NOFHC, as the case may be, shall
hold a minimum of ___ of the paid-up voting equity capital of the bank which shall be locked-in for a period
of five years from the date of commencement of business of the bank:
a) 25% b) 35% c) 40% d) 45%
16) As per RBI guidelines as regards promoter group shareholding, the promoter group shareholding
shall be brought down to ____ within a period of _____ from the date of commencement of business of
the bank:
a) 10%; 10yrs b) 15%; 15 yrs c) 15%; 10 yrs d) 12%; 15yrs
17) With respect to RBI Guidelines relating to Foreign Shareholding in the Bank, the foreign shareholding
in the bank would be as per the existing foreign direct investment (FDI) policy subject to the minimum
promoter shareholding requirement. At present, the aggregate foreign investment limit is _____ per cent:
a) 62% b) 74% c) 78% d) 80%
18) With regards to licensing norms of Universal Banks in the Private Sector, the bank shall get its
shares listed on the stock exchanges within ___ years of the commencement of business by the bank:
a) 2 yrs b) 3 yrs c) 5 yrs d) 6 yrs
19) As per RBI guidelines relating to licensing norms of Universal Banks in the Private Sector, the bank
shall open at least ___ of its branches in unbanked rural centres (population up to 9,999 as per the latest
census):
a) 10% b) 20% c) 25% d) 30%
20) As per RBI guidelines relating to licensing norms of Universal Banks in the Private Sector, the validity
of the in-principle approval issued by the RBI will be ____ from the date of granting in-principle approval
and would thereafter lapse automatically:
a) 6 months b) 12 months c) 18 monthsd) 24 months
21) All branches of Banks in all parts of the country should provide which of the following customer
services, more actively and vigorously to the members of public so that there is no need for them to
approach the RBI Regional Offices for this purpose?
a) Issuing fresh / good quality notes and coins of all denominations on demand,
b) Exchanging soiled / mutilated / defective notes
c) Accepting coins and notes either for transactions or exchange.
d) All of these.
22) With a view to extending the facility for the benefit and convenience of public, all branches of banks
have been delegated powers under Rule 2(j) of _______ for exchange of mutilated / defective notes free
of cost:
a) Reserve Bank of India (Note Refund) Rules, 2008
b) Reserve Bank of India (Note Refund) Rules, 2009
c) Reserve Bank of India (Note Refund) Rules, 2010
d) Reserve Bank of India (Note Refund) Rules, 2011
23) A ______means a note which has become dirty due to normal wear and tear and also includes a two
piece note pasted together wherein both the pieces presented belong to the same note and form the
entire note with no essential feature missing:
a) Soiled Note b) Mutilated Note
c) Imperfect Note d) Defective Note
24) Which of the following statements is true with respect to RBI Guidelines relating to Soiled Notes?
a) These notes should be accepted over bank counters in payment of Government dues and for credit to
accounts of the public maintained with banks.
b) In no case, these notes should be issued to the public as reissuable notes and shall be deposited in
currency chests for onward transmission to RBI offices as soiled note remittances for further
processing.
c) Both of these. d) None of these.
25) A _______ is a note of which a portion is missing or which is composed of more than two pieces.
These notes may be presented at any of the bank branches and shall be accepted, exchanged and
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 56 | P a g e
adjudicated in accordance with Reserve Bank of India (Note Refund) Rules 2009:
a) Soiled Note b) Mutilated Note
c) Defective Note d) Deliberately Cut Note
26) Which of the following types of notes shall not be accepted by the bank branches for exchange.
Instead, the holders may be advised to tender these notes to the concerned Issue Office where they will
be adjudicated under a Special Procedure:
a) Turned extremely brittle b) Badly Burnt
c) Charred d) Inseperably stuck up together
e) All of the above.
27) Every Officer-in-charge of the branch i.e. the Branch Manager and every Officer-in-charge of the
Accounts or Cash Wing of the Branch shall act as _______ in each branch to adjudicate the notes
received at the branch for exchange in accordance with Reserve Bank of India (Note Refund) Rules,
2009:
) Prescribed Officer b) Exchange Officer
c) Settlement Officer d) Cash In charge
28) Which of the following points are true with respect to record keeping instructions for Mutilated Notes?
a) After adjudicating mutilated notes, the Prescribed Officer is required to record his order by subscribing
his initials to the dated 'PAY'/ 'PAID'/ 'REJECT' stamp.
b) Mutilated / defective notes bearing 'PAY'/'PAID' (or 'REJECT') stamp of any RBI Issue Office or any
bank branch, if presented for payment again at any of the bank branches should be rejected under
Rule 6(2) of Reserve Bank of India (Note Refund) Rules, 2009.
c) All bank branches have instructions not to issue notes bearing PAY/PAID stamps to the public even
through oversight.
d) The branches should caution their customers not to accept such notes from any bank or anybody else.
e) All of these.
29) Any note with slogans and message of a political nature written across it ceases to be a legal tender
and the claim on such a note will be rejected under _____ of Reserve Bank of India (Note Refund) Rules,
2009:
a) Rule 6(3) (i) b) Rule 6(3) (ii)
c) Rule 6(3) (iii) d) Rule 6(3) (iv)
30) The notes, which are found to be deliberately cut, torn, altered or tampered with, if presented for
payment of exchange value should be rejected _____of the Reserve Bank of India (Note Refund) Rules,
2009:
a) Under Rule 6(3)(i) b) Under Rule 6(3)(ii)
c) Under Rule 6(3)(iii) d) Under Rule 6(3)(iv)
31) With regards to disposal of notes adjudicated at bank branches, the full value paid notes have to be
remitted by all branches to the ______ with which they have been linked and there from to the Issue
Offices concerned together with the next soiled note remittance in the manner already laid down:
a) Chest Branches b) Circle Office
c) Head Office d) Zonal Office
32) The full value paid notes will be treated as chest remittance by the Issue Office while the half value
paid notes and rejected notes will be treated as notes tendered for _____and processed accordingly:
a) Settlement b) Adjudication
c) Exchange d) None of these.
33) All chest branches are required to submit to Issue Offices a _____ statement showing the number of
notes adjudicated during that period:
a) Fortnightly b) Monthly c) Quarterly d) Half Yearly
34) Which of the following points are correct with regards to agreement between RBI and commercial
banks relating to acceptance of coins in exchange of notes?
a) The bank branches should accept coins in exchange of notes.
b) They should accept coins of all denominations which are legal tender under the Indian Coinage Act,
2011 from any member of public without any restriction and pay the value in notes.
c) They should use Coin counting machines or accept coins by weight for large receipts to facilitate the
customers. d)Only a & b e) All (a), (b) & (c)
35) The coins of denomination of ____, issued from time to time, ceased to be legal tender for payments
as well as account with effect from June 30, 2011:
a) 20 Paise and below b) 25 Paise and below
c) 50 Paise and below d) All of these.
36) All coins of denomination of 25 Paise and below should be retained in the (SCDs) of the bank till
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 57 | P a g e
further advise from Reserve Bank of India. What does SCD stand for?
a) Small Coin Depots b) Small Currency Depots
c) Small Coin Deposits d) Small Currency Deposits’
37) The study of counterfeit currency has unearthed that fake Indian currency notes (FICN) worth Rs.
_____ crore are infused into the Indian market every year with agencies only being able to intercept one
third of them:
a) Rs. 50 Crore b) Rs. 60 Crore
c) Rs. 70 Crore d) Rs. 80 Crore
38) Which of the following points are true with respect to RBI guidelines relating to Detection of Counterfeit
Notes?
a) Banknotes tendered over the counter / received directly at the back office / currency chest through
bulk tenders should be examined for authenticity through machines.
b) No credit to customer’s account is to be given for counterfeit notes, if any, detected in the tender
received over the counter or at the back-office / currency chest.
c) In no case, the counterfeit notes should be returned to the tenderer or destroyed by the bank branches
/ treasuries.
d) Failure of the banks to impound counterfeit notes detected at their end will be construed as willful
involvement of the bank concerned, in circulating counterfeit notes and penalty will be
imposed for violation. e) All of these.
39) Notes determined as counterfeit shall be stamped as _______ and impounded in the prescribed
format. Each such impounded note shall be recorded under authentication, in a separate register.
a) Counterfeit note b) Fake note
c) Duplicate note d) Any of these.
40) When a banknote tendered at the counter of a bank branch/back office and currency chest or treasury
is found to be counterfeit, an acknowledgement receipt in the prescribed format must be issued to the
tenderer, after stamping the note. The receipt, in running serial numbers, should be authenticated by the
______ and ______. The receipt is to be issued even in cases where the tenderer is unwilling to
countersign it. a) Cashier, Branch Manager b) Cashier; Tenderer
c) Branch Manager; Tenderer d) None of these
41) For cases of detection of counterfeit notes upto ___ pieces, in a single transaction, a consolidated
report in the prescribed format should be sent by the Nodal Bank Officer to the police authorities or the
Nodal Police Station, along with the suspect counterfeit notes, at the end of the month.
a) 8 b) 6 c) 4 d) 3
42) For cases of detection of counterfeit notes of ____ pieces, in a single transaction, the counterfeit notes
should be forwarded by the Nodal Bank Officer to the local police authorities or the Nodal Police Station
for investigation by filing FIR in the prescribed format.
a) 8 or more b) 6 or more c) 5 or more d) 4 or more
43) A copy of the monthly consolidated report / FIR shall be
sent to the ____ constituted at the Head Office of the
bank (only in the case of banks), and in the case of the treasury, it should be sent to the Issue Office of
the Reserve Bank concerned.
a) Forged Note Vigilance Cell b) FATCA
c) Banking Ombudsman d) Financial Action Task Force
44) W.r.t. guidelines pertaining to counterfeit notes, acknowledgement of the police authorities
concerned has to be obtained for notes forwarded to them both as consolidated _____ statement and
FIR. If the counterfeit notes are sent to the police by insured post, acknowledgement of receipt thereof
by the police should be invariably obtained and kept on record.
a) Weekly b) Quarterly c) Monthly d) Bi-Monthly
45) The progress made by banks in detection and reporting of counterfeit notes to Police, RBI, etc. and
problems
thereof, should be discussed regularly in the meetings of which of the following State Level Committees?
a) State Level Bankers’ Committee (SLBC),
b) Standing Committee on Currency Management (SCCM),
c) State Level Security Committee (SLSC)
d) State Level Coordination Committee (SLCC)
e) Only (a), (b) & (c) f) All from (a) to (d)
46) The data on detection of counterfeit Indian notes at bank branches & treasuries should be included
in the ______ Returns forwarded to the Reserve Bank Issue Offices:
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 58 | P a g e
a) Fortnightly b) monthly c) Bi-monthly d) Quarterly
47) The banks should re-align their cash management in such a manner so as to ensure that cash
receipts in the denominations of _____and above are not put into recirculation without the notes being
machine processed for authenticity:
a) Rs. 20 b) Rs. 50 c) Rs. 100 d) Rs. 500
48) As per RBI guidelines, penalty at ____ of the notional value of counterfeit notes, in addition to the
recovery of loss to the extent of the notional value of such notes, will be imposed when counterfeit
notes are detected in the soiled note remittance of the bank and in the currency chest balance of a
bank during Inspection / Audit by RBI:
a) 50% b) 60% c) 80% d) 100%
49) The responsibility of ensuring the quality and genuineness of cash loaded at _______would be that
of the Sponsor Bank:
a) White Label ATM’s b) Brown Label ATM’s
c) Both (a) & (b) d) None of these.
50) Data on counterfeit notes detected by all the branches of the bank shall be reported in the
prescribed format, on a monthly basis. A statement showing the details of counterfeit notes detected
in the bank branches during the month shall be compiled and forwarded to the Issue Office of
Reserve Bank concerned so as to reach them by ___ of the next month:
a) 5th b) 6th c) 7th d) 8th
51) Under Rule 3 of Prevention of Money Laundering Rules, 2005, Principal Officers of banks are also
required to report information on cash transactions where forged notes have been used as genuine
note to The Director, FIU-IND, Financial Intelligence Unit- India, within _____ working days. A ‘nil’
report may be sent in case no counterfeit has been detected during the month.
a) 5 b) 7 c) 10 d) 14
52) All Counterfeit Notes received back from the police authorities/courts may be carefully preserved in
the safe custody of the bank and a record thereof be maintained by the branch concerned. These
Counterfeit Notes at branches should be subjected to verification on a _____ basis by the Officer-in-
Charge of the bank office concerned. They should be preserved for a period of ____years from the
date of receipt from the police authorities.
a) Half-yearly; 3 b) Yearly; 3
c) Quarterly; 3 d) Bi-monthly; 3
53) As per RBI guidelines, Counterfeit notes, which are the subject matter of litigation in the court of law
should be preserved with the branch concerned for a period of ____ years after conclusion of the
court case.
a) 1 year b) 2 years c) 3 years d) 4 years
54) As per RBI guidelines relating to reporting of Currency Chest Transactions, the minimum amount of
deposit into/withdrawal from currency chest will be ______ and thereafter, in multiples of Rs._____.
a) 50,000; 10,000 b) 1,00,000; 50,000
c) 1,50,000; 50,000 d) 2,00,000; 1,00,000
55) With regards to RBI guidelines relating to Time Limit for Reporting, the currency chests should
invariably report all transactions through ICCOMS on the same day by ______ by uploading data through
the Secured Website (SWS) to their respective link offices. Link offices should invariably report the
consolidated position to the Issue Offices latest by ____on the same day.
a) 7 PM; 9PM b) 8 PM; 10PM c) 9 PM; 11PM
d) 10 PM;12PM e) 11 PM; 12 PM
56) In the event of delay in reporting currency chest transactions, penal interest will be levied on the
amount due from the chest holding bank for the period of delay which will be calculated on _____basis.
However, Reserve Bank may at its discretion grant appropriate grace period in the matter of levy of penal
interest.
a) T+0 basis b) T+1 basis c) T+2 basis d) T+3 basis
57) Which of the following points are true with respect to levy of Penal interest on wrong reporting?
a) Penal interest will be levied in respect of all cases of wrong reporting in the same manner till the date
of receipt of corrected advice by Reserve Bank.
b) Penal interest will invariably be levied in all cases of wrong reporting in the Link Office Statements
even if the reporting was done correctly in the chest slips.
c) Both of these. d) None of these.
58) As per RBI guidelines, Soiled note remittances to RBI /diversion to other currency chest/s should
Compiled by Sanjay Kumar Trivedy, Divisional Manager, Govt.Link Cell, Nagpur 59 | P a g e
not be shown as withdrawal by chest/s / link offices. In case such remittances are wrongly reported as
'withdrawals', a penalty of ______ will be levied irrespective of the value of remittance and period of
such wrong reporting:
a) Rs. 25,000 b) Rs. 35,000c) Rs.50,000 d) Rs.75,000
59) Penal interest will be levied in all cases where the bank has enjoyed 'ineligible' credit in its current
account with Reserve Bank on account of which of the following reasons pertaining to transactions?
a) Wrong reporting / delayed reporting / non-reporting of transactions
b) Shortages in chest balances / remittances
c) Shortages due to pilferage / frauds
d) Counterfeit banknotes detected in chest balances /
e) Remittances as per the prevailing “scheme of Penalties”
f) All of the above.
60) Which type of cash balance is not eligible for inclusion in the Chest balances?
i) Cash held in the custody of joint custodians and 'freely available' to them.
ii) Cash kept for safe custody in sealed covers for whatever reasons.
iii) Cash in trunks/bins under the lock and key of any official/s other than the Joint Custodians or bearing
a third lock put by any official in addition to the two locks of the Joint Custodians:
a) All from (i) to (iii) b) (i) & (ii) only
c) (ii) & (iii) only d) (i) & (iii) only
61) Penal interest shall be levied at the rate of ___ over the prevailing Bank Rate for the period of delayed
reporting / wrong reporting/non-reporting / inclusion of ineligible amounts in chest balances:
a) 1% b) 2% c) 3% d) 4%
62) Representations made for reconsideration of the Reserve Bank's decision for levy of penal interest for
delayed reporting on account of genuine difficulties faced
by chests especially in hilly/remote areas and those affected by natural calamities, etc., may be made to
the Issue Office concerned through the Head / Controlling office of the bank concerned within ___ from
date of debit of the bank concerned:
a) A week b) A fortnight c) A month d) Two months
63) What is the Penalty to be imposed on banks for deficiencies in exchange of notes and
coins/remittances sent to RBI/operations of currency chests etc. with respect to shortages in soiled note
remittances and currency chest balances for notes in denomination upto Rs.50?
a) Rs. 50 per piece in addition to the loss
b) Rs.25 per piece in addition to the loss
c) Rs. 20 per piece in addition to the loss
d) Rs.10 per piece in addition to the loss
64) What is the penalty to be imposed on banks for deficiencies in exchange of notes and
coins/remittances sent to RBI/operations of currency chests etc. with respect to shortages in soiled note
remittances and currency chest balances for notes in denomination of Rs. Rs.100 & above?
a) Equal to the value of the denomination per piece in addition to the loss
b) Rs. 80 per piece in addition to the loss
c) Rs. 75 per piece in addition to the loss
d) Rs. 50 per piece in addition to the loss.
65) In case, mutilated notes detected in soiled note remittances and currency chest balances, the penalty
levied shall be _____per piece irrespective of the denomination.
a) Rs. 20 b) Rs. 50 c) Rs. 75 d) Rs. 100
66) In case, mutilated notes detected in soiled note remittances and currency chest balances, mutilated
notes of 100 pieces and above per remittance shall be debited immediately and penalty may be levied on
reaching a limit of ______ in a cumulative manner.
a) 50 pieces b) 70 pieces c) 100 pieces d) 125 pieces
67) In case of non-compliance with operational guidelines by currency chests is detected by RBI officials
such as Nonfunctioning of CCTV; Branch cash/documents kept in strong room; Non-utilization of NSMs
for sorting of notes the penalty of Rs. _____ shall be levied for each irregularity & same shall be enhanced
to Rs. _____ in case of repetition.
a) Rs. 2500; Rs. 5,000 b) Rs. 5,000; Rs. 10,000
c) Rs. 10,000; Rs. 15,000 d) Rs. 10,000; Rs. 20,000
68) As per RBI guidelines, appeal against the decision of the competent authority can be made with
regards to imposition of penalty for non-compliance with operational guidelines by the Controlling Office of
the currency chest/branch to the Regional Director of the Regional Office concerned, within _____ from
the date of debit, who may decide whether the same can be accepted/ rejected:
a) 2 months b) 1 month* c) 15 days d) 1 week
Ans:
1 A 2 B 3 A 4 B 5 D 6 B 7 C
8 D 9 A 10 C 11 D 12 B 13 C 14 D
15 C 16 B 17 B 18 D 19 C 20 C 21 D
22 B 23 A 24 C 25 B 26 E 27 A 28 E
29 C 30 B 31 A 32 B 33 B 34 E 35 B
36 A 37 C 38 E 39 A 40 B 41 C 42 C
43 A 44 C 45 E 46 B 47 C 48 D 49 A
50 C 51 B 52 A 53 C 54 B 55 C 56 A
57 C 58 C 59 F 60 C 61 B 62 C 63 A
64 A 65 B 66 C 67 B 68 B
No comments:
Post a Comment