Multiple Answer Question: Select ALL of the following that are an asset of commercial banks:

How is a life insurance policy dividend legally defined?

A) A return of excess premium and partially taxable B) A return of excess of premium and fully taxable C) A return of excess premium and not taxable D) A return of excess premium subject to capital gains tax

Which of the following would be most helpful to salespeople in dealing with bribery?

A) a well-established corporate policy on bribing B) knowing that bribery is sometimes illegal C) knowing that bribery is often unethical D) a sales manager who has given bribes in the past E) college coursework on bribery