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Test MCQ (Multiple Choice Question)

Test MCQ (Multiple Choice Question):

Question: A documentary credit calls for the beneficiary’s invoice in three copies. Which of the following requirements is mandatory for a complying presentation?

a) All must be signed.

b) All must be original.

c) At least one of the three must be signed.

d) At least one of the three must be original.

Ans: d

 

Question: In accordance with ISBP, an invoice may show:

  1. deduction for a discount not stated in the credit.
  2. over-shipment of goods provided they are stated to be free of charge.
  3. shipment of goods not called for in the credit.
  4. shipment of goods not called for in the credit provided they are stated to be free of charge

a) 1 only.

b) 2 only.

c) 1 and 3 only.

d) 2 and 4 only.

Ans: a

 

Question: A documentary credit is issued for approximately GBP 40,000 with drafts at 30 days from date of shipment. Documents are presented on 22 September with bills of lading dated 01 September. Which of the following drafts would comply?

  1. 30 days from 01 September for approximately GBP 40,000.
  2. 30 days from date of shipment for GBP 38,000.
  3. Due 01 October for GBP 42,000.
  4. 30 days from bill of lading date 01 September for GBP 44,000.

a) 1 and 2 only.

b) 1 and 3 only.

c) 2 and 4 only.

d) 3 and 4 only.

Ans: d

 

Question: An irrevocable confirmed documentary credit cannot be amended or cancelled without the agreement of the:

a) Beneficiary and applicant.

b) Confirming bank and issuing bank.

c) Applicant, confirming bank and issuing bank.

d) Beneficiary, confirming bank and issuing bank.

Ans: d

 

Question: A documentary credit requires the bill of lading to state the name and address of the carrier’s agent at the port of discharge. To comply with the credit terms, the agent:

a) Can be at any location in the world.

b) Must be located at the port of discharge.

c) Must be located in the same country as the port of discharge’

d) Must be located in the same geographical area as the port of discharge.

Ans: a

 

Question: A buyer wishes to import 300 sports cars from their supplier over a three month period. Import regulations will only allow a maximum of 100 sports cars to be shipped into the country each month by the buyer without the imposition of import duties and port-to-port shipment takes a maximum of ten days. Which of the following shipment schedules will best protect the buyer from the imposition of lmport duties?

a) 100 cars in January, 100 cars in February, 100 cars in March.

b) 1OO cars in the middle of January, 100 cars in the middle of February, 100 cars in the middle of March.

c) 100 cars by the end of January, 100 cars by the end of February, 100 cars by the end of March.

d) 100 cars at the beginning of January, 100 cars at the beginning of February, 100 cars at the beginning of March.

Ans: d

 

Question: A confirming bank receives a documentary credit containing the following additional condition: ‘carrying vessel must not be older than 15 years’. Upon receipt of the documents from the beneficiary, the confirming bank must:

a) Look for this statement on one of the documents.

b) Deem such a condition as not stated and disregard it.

c) Require the beneficiary to issue a statement of compliance.

d) Refuse payment to the beneficiary until receipt of the issuing bank’s clarification.

Ans: b

 

Question: In accordance with UCP 600, which of the following documents is not acceptable in a documentary credit issued on 01 March with documents presented on 01 June and expiring on 10 June?

a) Certificate of origin dated 28 February.

b) Third party certificate of quality dated 02 June.

c) Weight certificate issued by the beneficiary dated 15 May.

d) Bills of lading evidencing third party as consignor dated 28 May.

Ans: b 

 

Question: At the request of the issuing bank, a reimbursing bank has issued its reimbursement undertaking in favour of a nominated bank. The beneficiary notify the nominated bank of the documentary credit and subsequently presents documents direct to the issuing bank for settlement. What best describes the action that the issuing bank should now take?

a) Check the documents and, if compliant, make payment to the beneficiary through the reimbursing bank.

b) Check the documents and, if compliant, make payment to the beneficiary and seek cancellation of the reimbursement undertaking.

c) Return the documents to the beneficiary and request that documents be presented through the nominated bank.

d) Return the documents to the beneficiary and request that documents be presented to the reimbursing bank to enable the reimbursement undertaking to be utilized.

Ans: b

 

Question: A reimbursing bank has received a valid claim under its reimbursement undertaking and is simultaneously instructed by the issuing bank not to honour the claim. ln accordance with the URR 725, the reimbursing bank should:

a) Request the claiming bank to cancel the claim.

b) Instruct the claiming bank to contact the beneficiary.

c) Honour the claim and debit the issuing bank’s account.

d) Dishonour the claim as per the issuing bank’s instruction.

Ans: c

 

Question: If a bank requests that an electronic record be re-presented because the initial presentation Appears to be corrupted, the:

a) Date of the re-presentation becomes the new presentation date.

b) Beneficiary has 21 calendar days to re-present the electronic record.

c) Time for examination is suspended and resumes when the re-presented records are received.

d) Re-presentation may be with paper documents even if the documentary credit calls for electronic records.

Ans. c)

 

Question: A documentary credit pre-advice is issued on 01 March for USD 510,000 with the following terms and conditions: Partial shipment allowed. Latest shipment date 30 April. Expiry date 15 May. on 02 March the applicant requests an amendment prohibiting partial shipment and extending the expiry date to 30 May. ln accordance with UCP 5oo, what action must the issuing bank take?

a) Clarify with the applicant the period for presentation.

b) Issue the documentary credit incorporating all the amendments.

c) Issue the documentary credit incorporating only the extended expiry date’

d) Issue the documentary credit as originally instructed, without amendments.

Ans: d

 

Question: Documents presented to the issuing bank have been found discrepant. The bank has left a message for the applicant to discuss the discrepancies. The bank should:

a) return the documents to the presenter.

b) continue to hold the documents until discussion with the applicant. No further action is required.

c) send notice of refusal to the presenter, listing all discrepancies and current disposition of the documents.

d) send notice of refusal to the presenter without listing discrepancies, as the applicant has not been consulted.

Ans: c

 

Question: Which of the following statements are correct in relation to documentary credit risks?

  1. The advising bank incurs payment risk by advising an unconfirmed credit.
  2. A negotiating bank is not concerned with issuing bank counterparty risk when making payment to the beneficiary.
  3. The confirming bank’s main risk is that of non-reimbursement by the issuing bank after Effecting the payment to the beneficiary.
  4. A reimbursing bank that has not issued a reimbursement undertaking does not have any risk related to the credit.

a) 1 and 2 only.

b) 1 and 4 only.

c) 2 and 3 only.

d) 3 and 4 only.

Ans: d

 

Question: When a bank confirms an irrevocable transferable documentary credit, it assumes the credit risk of which party?

a) The applicant.

b) The issuing bank’

c) The first beneficiary.

d) The second beneficiary.

Ans: b

 

Question: The issuing bank of a sight documentary credit issues an indemnity to a shipping company authorizing the release of goods to the importer prior to presentation of documents. Documents subsequently received are discrepant. what action must the issuing bank take?

  1. Seek agreement from the shipping company to cancel the indemnity.
  2. Send a rejection notice to the presenting bank.
  3. Approach the applicant for a waiver of the discrepancies.
  4. Pay the presenting bank.

a) 2 only.

b) 4 only.

c) 1 and 4 only.

d) 2 and 3 only.

Ans: b

 

Question: When an advising bank adds its confirmation to a documentary credit, which of the following risks has the beneficiary mitigated?

  1. Issuing bank.,
  2. Foreign exchange.,
  3. Political and
  4. Fraud.

a) 1 and 3 only.

b) 1 and 4 only.

c) 2 and 3 only.

d) 2 and 4 only.

Ans: a

 

Question: Which of the following statements does not relate to documentary credit risks?

a) The issuing bank may try to mitigate the risk of non-reimbursement from the applicant by retaining title to the goods.

b) ln the event of failure of the issuing bank, the beneficiary may need to rely on payment directly from the applicant.

c) A forward foreign exchange contract may provide a hedge against a difference in exchange rates to the issuing bank.

d) The issuing bank may not be able to honour its obligation to pay on the maturity date due to governmental action.

Ans: c

 

Question: The beneficiary can mitigate the risk of ‘force majeure’ by requesting that the documentary credit Be made available with:

a) Any bank.

b) The issuing bank.

c) The advising bank.

d) The confirming bank.

Ans: a

 

Question: Documents, including the CMR consigned to the issuing bank, have been delayed in transit between the confirming bank and the issuing bank. The applicant requires the goods urgently and therefore requests from the issuing bank a:

a) Delivery order.

b) Letter of indemnity.

c) Performance guarantee.

d) Shipping company guarantee.

Ans: a

 

Question: A third-party supplier requires a notice of assignment of proceeds from the nominated bank prior To shipping the goods. This notice of assignment:

a) Is an irrevocable undertaking to pay the third-party supplier.

b) Authorizes the third-party supplier to perform the role of the beneficiary.

c) Guarantees payment upon presentation of documents by the third-party supplier.

d) ls a conditional undertaking from the nominated bank to pay the third-party supplier . from proceeds, if any, payable under the credit.

Ans: d

 

Question: To clear the goods in the absence of an original bill of lading, which document should the applicant request from the issuing bank?

a) An indemnity.

b) A delivery order.

c) A payment guarantee.

d) A shipping company guarantee.

Ans: d

 

Question: Under a confirmed credit established in favour of a corporate beneficiary on a syndicated basis, all of the following aspects will be commonly covered by the syndicate agreement except:

a) The handling of discrepant documents.

b) The handling of commercial disputes between the corporate beneficiary and the applicant.

c) Whether the other syndicate banks will wish to approve the text of the credit and amendments.

d) Whether the lead bank’s checking of documents will be acceptable to the other syndicate banks.

Ans: b

 

Question: Which of the following statements is correct when an assignment of proceeds has been effected under a documentary credit issued in accordance with UCP 600? The:

a) A assignee must present complying documents to receive payment”

b) B assignee will receive payment of the proceeds directly from the applicant.

c) C value of the documentary credit is reduced by the amount of the assignment.

d) D beneficiary has assigned its rights to the stated amount of proceeds to the assignee.

Ans: d

 

Question: Which of the following statements would not be included in an applicant’s counter indemnity when requesting a delivery order? The applicant:

a) indemnifies the bank against all actions, damages and costs.

b) Undertakes to accept the underlying documents irrespective of discrepancies.

c) Gives the issuing bank authority to debit its account for the full value pending inspection of the goods.

d) Undertakes that should the goods form part of a large consignment it will accept that consignment and pay the full value.

Ans: c

 

Question: In accordance with UCP 600, which of the following terms may not be altered on a transferred documentary credit.

a) Amount.

b) Required documents.

c) Period of presentation.

d) Amount of Insurance cover.

Ans: b

 

Question: A documentary credit for USD 150,000.00 calls for a full set of bill of lading and an insurance Certificate that covers all risks. The bill of lading presented indicates an on board date of 15 December. Which of the following insurance document are acceptable?

  1. Policy for USD 185,000.00
  2. Certificate dated 17 December.
  3. Declaration signed by a broker.
  4. Subject to a franchise.

a) 1 and 2 only.

b) 1 and 4 only.

c) 2 and 3 only

d) 3 and 4 only

Ans: b

 

Question: If a credit states ” first shipment is to be effected on or about’2o august 2010″, this means Shipment can be effected during the period

a) 14 August – 15 August

b) 15 August – 25 August

c) 15 August – 25 August

d) 16 August – 25 August

Ans: c

 

Question: An issuing bank is irrevocably bound by the terms of the amendment as of the time

a) the issuing bank issues the amendment

b) the advising bank receives the amendment

c) the confirming bank agrees to confirm the amendment

d) the beneficiary receives the amendment

Ans: a

 

Question: A Documentary credit is issued for an amount of USD 10,000 & calls for its drafts to be drawn at 30 days from bill of lading date .Documents have been presented with a bill of lading dated 09 November 2009 which of the following tenor on the draft will not be acceptable?(Mark Tick)

a) 09 December 2009.

b) 30 days from bill of lading date.

c) 30 days after 09 November 2009.

d) 30 days date, draft dated 09 November 2009.

Ans: b

 

Question: Which of the following documents MUST be signed?

a) Packing list..

b) Certificate of origin.

c) Commercial Invoice.

d) Weight Specification.

Ans: b

 

Question: A credit requires an ‘lnvoice’ without further definition. Which of the following “MUST be considered a discrepancy?

a) Presentation of a document identified as a tax invoice..

b) An invoice which is not signed.

c) An invoice made out in a different currency to the credit.

d) An invoice issued for an amount in excess of that permitted by the credit.

Ans: c

 

Question: Mention maximum deferred period allowable for import of the following items As per GFET:

a) Capital Machineries upto ……….. days.

b) Agriculture implements and chemical fertilizer upto ……….days.

c) Life saving Drugs upto ………………days.

Ans: a) 360. b) 180, c) 90

 

Question: Which party parties can not sign the charter party Bills of Lading.

a) Captain.

b) Master.

c) Carrier.

d) Owner.

e) Charterer.

Ans: a

 

Question: A bill of lading states that “Packaging may not be sufficient for the sea journey”. would this constitute a discrepancy.

a) Yes

b) No.

Ans: b

 

Question: A Documentary credit advised to a Beneficiary payable at sight calls for document to include an Invoice made out in the name of the Applicant. Document presented to the Negotiating bank by The Beneficiary include a custom Invoice but no commercial Invoice. All other terms and Conditions have been met. What action should the negotiating bank take?

a) Reject the document as non-complying.

b) Refer to the issuing bank for authority to pay

c) Return the document for amendment by the beneficiary’

d) Pay the documents as fully complying with the terms of the credit’

Ans: d

 

Question: A documentary credit pre-advice is issued on 1 March for USD 2,00,000.00 with the following terms and conditions: – Part shipment allowed. – Latest shipment date 30 April. – Expiry date 15 May. On 2 March the applicant requests an amendment prohibiting part shipment and extending the expiry date to 30 May . ln accordance with UCP 500 what must the issuing bank do?

a) Clarify with the applicant the period of presentation.

b) Issue the documentary credit as originally instructed.

c) Issue the documentary credit incorporating all the amendments.

d) Issue the documentary credit incorporating only the extending expiry date.

Ans: b

 

Question: The Uniform Rules for Bank-to-Bank Reimbursements applies to –

a) Documentary Credit

b) Documentary Collection

c) SWIFT Fund Transfer

d) All of the above

Ans: a.

 

Question: URR725 is binding on all parties thereto, unless expressly modified or excluded by the –

a) Documentary Credit

b) Reimbursement authorization

c) Instruction to the negotiating bank

d) Payment Instruction

Ans: b.

 

Question: Reimbursement authorization is the credit

a) Independent of

b) Dependent on

Ans: a.

 

Question: A nominated bank can claim reimbursement even if it does not negotiate / honor the presentation.

a) True

b) False

Ans: b.

 

Question: Advice of reimbursement undertaking amendment is sent from –

a) Issuing bank to Reimbursing Bank

b) Reimbursing bank to nominated bank

c) Reimbursing bank to claiming bank

d) All of the above

Ans: c.

 

Question: Under URR725 issuing bank should provide necessary information in –

a) Documentary Credit

b) Reimbursement Authorization

c) Reimbursement Undertaking

d) All of the above

Ans: a and b.

 

Question: If issuing Bank requires certificate of compliance in the reimbursement authorization, the reimbursing bank should

a) Disregard it

b) Follow it

Ans: b.

 

Question: If the reimbursing bank is requested to accept and pay a time draft, the reimbursement authorization must indicate the following:

a) tenor of draft to be drawn;

b) drawer;

c) party responsible for acceptance and discount charges, if any.

d) All of the above

Ans: d.

 

Question: Pre-notification of a reimbursement claim to the issuing bank must be included in the

a) Documentary Credit

b) Reimbursement authorization

c) Both

Ans: a.

 

Question: If a credit is available with any bank, amendment of reimbursement authorization must be sent to –

a) Reimbursing bank

b) Advising Bank

c) Both

Ans: c.

 

Question: An irrevocable reimbursement authorization cannot be amended or cancelled without the agreement of the

a) Reimbursing bank.

b) Advising Bank

c) Both

Ans: a.

 

Question: The terms of the original irrevocable reimbursement authorization (or an authorization incorporating previously accepted irrevocable reimbursement authorization amendments) will remain in force for the reimbursing bank until it communicates its acceptance of the amendment to the –

a) Issuing bank

b) Advising Bank

c) Nominated Bank

Ans: a.

 

Question: A reimbursing bank is not required to accept or reject an irrevocable reimbursement authorization amendment until it has received acceptance or rejection from the _ of its reimbursement undertaking amendment.

a) Issuing bank

b) Advising Bank

c) Claiming bank

Ans: c.

 

Question: The claiming bank’s claim for reimbursement must be in the form of a –

a) Tele transmission

b) Signed Claim

c) Any of the above

Ans: a.

 

Question: In the case of a reimbursement undertaking, the claim must comply with the terms and conditions of the

a) Documentary Credit

b) Reimbursement undertaking.

c) Reimbursement Authorization

Ans: b.

 

Question: When a time draft is to be drawn on the reimbursing bank, the claim must include the following –

a) General description of the good

b) Country of origin

c) Place of destination or performance

d) All of the above

e) None

Ans: d.

 

Question: A reimbursing bank shall have a maximum of _ banking days following the day of receipt of the reimbursement claim to process the claim.

a) Three

b) Five

c) Seven

Ans: a.

 

Question: Except in case of a reimbursement undertaking if a reimbursement is due on a future date, a claims should not be presented to the reimbursing bank more than – banking days prior to such predetermined date.

a) Three

b) Five

c) Seven

d) Ten

Ans: d.

 

Question: Unless otherwise stated, a reimbursing bank’s charges are for the account of the

a) Issuing bank

b) Claiming bank

c) Beneficiary

Ans: a.

 

Question: If the claiming bank indicates additional charges in the reimbursement claim, those charges will be

a) In addition to the amount of authorization

b) Deducted from the amount of authorization

c) Will not be honored

Ans: a.

 

Question: Who bears the risk of any ambiguity in its instruction to issue or amend a credit as per paragraph 2 of ISBP?

a) Issuing Bank

b) Negotiating Bank

c) Beneficiary

d) Applicant

Ans: d

 

Question: Document issued and marked as “Duplicate” will be regarded as

a) Original Document

b) Copy Document

Ans: a

 

Question: Detailed mathematical calculations in documents will be checked by banks

a) True

b) False

Ans: b

 

Question: Corrections and alterations in documents issued by the beneficiary which have not been legalized, visaed, certified or similar, need not be authenticated except:

a) Certificate of origin

b) Invoice.

c) Draft

d) Packing List.;

Ans: c.

 

Question: Description as “model 234” instead of “model432” in commercial invoice would not be regarded as a typing error and would constitute a discrepancy.

a) False

b) True

Ans: b.

 

Question: As per ISBP which statement is correct:

a. Copies of documents need not be signed.

b. Copies of documents may not be signed.

c. Copies of documents must not be signed.

d. Copies of documents should not be signed.

Ans: a.

 

Question: “Invoice”, “One Invoice” or “Invoice in I copy”, it will be understood to be a requirement for an

a. Copy Invoice.

b. Original invoice.

c. Invoice in original Stationery.

d. Invoice produced by a telefex machine.

Which of the following is correct?

a) B

b) A& B

c) 8 & D

d) B & C

Ans: d.

 

Question: A credit subject to UCP 600 specified a reimbursement instruction that reads: “Upon receipt of full set of documents in conformity with the letter of credit terms and conditions, we will effect payment as per your instructions”. Compliant presentation was made to the nominated negotiating bank which was not negotiated by the nominated bank and claimed for reimbursements. The Documents were however lost in transit by the courier company. The issuing bank refused reimbursement because reimbursement would only be effective “upon receipt of documents” as specified in the reimbursement instruction quoted above. ls the issuing bank correct in its refusal decision?

a) Yes

b) No.

Ans: b.

 

Question: A credit requires an ‘invoice’ without further definition. Which of the following MUST be considered a discrepancy?

a. Presentation of a document identified as a tax invoice’

b. An invoice which is not signed.

c. An invoice made out in a different currency to the credit.

d. An invoice issued for an amount in excess of that permitted by the credit’

Ans: c.

 

Question: If Additional information given in “shipping marks” such as the type of goods, warnings as to the handling of fragile goods, net and/or gross weight of the goods, etc. will be a discrepancy.

a) Yes

b) No.

Ans: b.

 

Question: Shipping Documents means?

a. All Documents except Bill of Lading

b. All Documents except Transport Document

c. All Documents except Draft

d. Only transport Documents

Ans: c.

 

Question: Exporting country Means?

a. The country of origin of the goods.

b. The country from which shipment or dispatch is made.

c. The country from where the beneficiary is domiciled.

d. Country of receipt by the carrier.

e. All of the above except ‘D’.

f. All of the above A, B, C, D,.

Ans: f.

 

Question: Which documents must be dated even if a credit does not expressly so require:

a) Invoice, draft & certificate of origin.

b) Draft, transport documents and insurance documents.

c) Invoice, packing list & beneficiary certificate

d) Insurance cover note, packing list & inspection certificate. Ans: b.

 

Question: Which of the following statement is appropriate as per ISBP.

a. The draft should be drawn by the beneficiary.

b. The draft must be drawn by the beneficiary.

c. The draft may not be drawn by the beneficiary.

d. The draft must not be drawn by the beneficiary.

Ans: b.

 

Question: L/C requires exactly 110% of insurance coverage, as per UCP a beneficiary can provide insurance coverage more than 110%.

a) True

b) False

Ans: b. 

 

Question: “one copy of Invoice”, it will be satisfied by presentation of:

a) a copy of an invoice.

b) an original of an invoice.

c) either a copy or an original

d) Above all.

Ans: d.

 

Question: Which Document is not a Shipping document as per ISBP?

a. Bill of Lading

b. Certificate of Origin.

c. Bill of Exchange.

d. Commercial Invoice.

Ans: c.

 

Question: Alteration on a draft must authenticate by drawer?

a) True

b) False

Ans: a.

 

Question: Bill of lading bearing a clause that the packaging is not sufficient for sea Journey which one of the following is correct?

a) Claused B/L

b) Clean B/L

c) None of the above.

Ans: a.

 

Question: A credit states that, Freight Forwarder’s Multimodal transport document is acceptable. ln this case name of the carrier is not necessary to show in the B/L.

a. True

b. False

Ans: a.

 

Question: LC requires a Document to be prepared at least 2 days before the B/L Date. B/L presented dated 15.12.2011. Which or the following is correct:

a. Document dated 11.12.2011

b. Documents dated 01.12.2011

c. Document dated 12.12.2011

d. Above all

Ans: d.

 

Question: Which one of the following is not Original;

a. Issued on the documents issuers original Stationary

b. Typed Document

c. Perforated

d. Produced on a Telefax machine

Ans: d.

 

Question: Description of the goods must be stated in AWB.

a. True

b. False

Ans: b.

 

Question: A straight Bill of Lading is not negotiable.

a. True

b. False

Ans: a.

 

Question: An Insurance Document is subject to an Expiry Date for Claim.

a. True

b. False

Ans: b

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