Câu 1 / 50

The new policy will _______ next quarter after board approval.

• A. take effect
• B. take in
• C. take over
• D. come into effect / take effect

Câu 2 / 50

A memo (memorandum) is typically used for _____ communication within an organization.

• A. external
• B. internal
• C. public
• D. international

Câu 3 / 50

It's high time we _____ action to address the issue.

• A. took
• B. take
• C. have taken
• D. will take

Câu 4 / 50

Which word best completes the sentence? "The bank's ______ policy requires customers to update their personal information every two years."

• A. ESG (Environmental, Social, Governance)
• B. KYC (Know Your Customer)
• C. AML (Anti-Money Laundering)
• D. CAR (Capital Adequacy Ratio)

Câu 5 / 50

What is the synonym of "collateral"?

• A. borrower
• B. interest
• C. security pledged for a loan
• D. penalty