Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
FINANCIEROS
1.- ¿Qué autoridad tiene el objetivo de procurar la equidad entre los usuarios y las instituciones
financieras?
A. El banco de México
B. La comisión
comisión Nacional Bancaria y de Valores (CNVB)
C. La comisión Nacional para la protección y defensa de los usuarios de sistemas financieros
(CONDUSEF)
D. La secretaria
secretaria de Hacienda y Crédito Público (SHCP)
3.- ¿Qué riesgo enfrenta un inversionista, cuando un emisor incumple el pago de intereses?
A. de operación
B. de crédito
C. de mercado
D. Legal
4.- Elegir, de la siguiente lista, los instrumentos de inversión que emite el Gobierno Federal
1- Certificados de Deposito
2- Aceptaciones Bancarias
3- CETES
4- BONDES
5- UDIBONES
6- Pagarés de Indemnización caretera
7- pagarés con rendimiento liquidables al vencimiento
8- Acciones serie "A"
9- Acciones serie "B"
A. 1,5,6,7
B. 3,4,7,9
C. 3,4,5,6
D. 2,3,8,9
5.- ¿Cómo se denomina la tasa que se paga por el uso de recursos financieros?
A. Tasa pasiva
B. Tasa real
C. Tasa activa
D. Tasa de cambio
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
8.- ¿Cómo puede reducirse la exposición al riesgo que amenaza las inversiones de una Empresa?
A. Con la emisión de acciones
B. Incrementando los pasivos
C. Mediante la diversificación de inversiones
D. A traves de un instrumento de capital
9.- ¿Quién invierte las aportaciones obligatorias de los trabajadores para la jubilación?
A. Arrendadoras Financieras
B. Sociedades Financieras de Objeto Múltiple (Sofómes)
C. Administradoras de Fondo para el Retiro (Afores)
D. Sociedades de Inversión Especialidades en Fondos para el Retiro (Siefores)
10.- ¿Cómo se define la diversificación, considerada una de los principios básicos de las sociedades de
inversión?
A. Utilizar los principios de l as probabilidades para no arriesgar
B. Invertir el 100% en una alternativa de bajo riesgo?
C. La distribución del capital por invertir entre varias alternativas con el fin de diluir el riesgo
D. La inversión de una proporción del capital y el gasto de la proporción restante
12.- ¿Cómo se conoce a la capitalización del dinero en el tiempo cuando los intereses recibidos son
reinvertidos y pasan a convertirse en un nuevo capital?
A. Interés simple
B. Interés compuesto
C. Factor simple de capitalización
D. Factor de acumulación
13.- Los fondos de inversión de deuda tienen como característica principal que:
A. Tienen un rendimiento preestablecido
B. Incluyen acciones
C. Todos los instrumentos que lo componen son de deuda
D. Los emite el gobierno federal
14.- ¿Qué concepto define la proyección de flujos equivalentes al capital inicial invertido en un plazo
determinado a una cierta tasa de interés?
A. Nivel máximo de rentabilidad
rentabili dad
B. Riesgo mínimo
C. Precio de equilibrio
D. Valor del dinero en el tiempo
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
17.- ¿A qué tipo de riesgo corresponden las probabilidades de fluctuación del tipo de cambio?
A. de Operación
B. Financiero
C. Legal
D. de Mercado
18.- ¿Cuál de las siguientes actividades no corresponde a las realizadas en los mercados financieros?
A. Emitir instrumentos f inancieros
B. Asegurar la rentabilidad de los instrumentos de inversión
C. Poner en contacto a los agentes financieros
D. Reducir los plazos y los costos de intermediación
19.- ¿Cuáles son los instrumentos de inversión de alto rendimiento y mayor riesgo?
A. Pagarés
B. CETES
C. Acciones
D. UDIBONOS
20.- Al calcular el valor presente, descontando los pagos futuros a la tasa de interés de inversiones
alternativas estamos considerando su:
A. Costo de oportunidad
B. Precio de mercado
C. Riesgo financiero
D. Utilidad neta
21.- ¿Qué institución financiera canaliza sus recursos hacia los sectores prioritarios para el desarrollo
económico del país?
A. Sociedades de Inversión
B. Banca de Desarrollo
C. Banca Multiple
D. Unones de Credito
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
24.- ¿Qué operación financiera se identifica con el pago periódico de la prima de un seguro de vida?
A. Anualidad
B. Interés
C. Interés compuesto
D. Descuento
25.- Las letras de cambio que emite un banco en respaldo al prestamo que hace a una empresa son:
A. Aceptaciones bancarias
B. Pagaré con rendimiento Liquidable al vencimiento
C. Depósitos a plazo
D. Cetes
27.- ¿Cuál es la tasa que pagan las instituciones financieras sobre los fondos depositados?
A. Tasa Real
B. Tasa Activa
C. Tasa Pasiva
D. Tasa de Inflación
28.- Siguiendo el principio de la diversificación, ¿Cuál sera la mejor opción para recomendar a un
prospecto?
A. Combinar un portafolio en función
f unción a los requerimientos de liquidez,
li quidez, aversión al riesgo y rendimientos
rendimi entos
esperados
B. Elegir un plan de inversión de sociedades de inversión de instrumentos de renta variable
C. Elegir un plan de inversión de sociedades de inversión de instrumentos de deuda
D. Combinar la inversión en 75% de renta variable y 25% de deuda
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
1. La señora Ramirez invirtió $3,000.00 a una tasa de interés del 36% anual capitalizable
semestralmente por un periodo de 6 meses ¿Cuál es el monto que se generara?
A. $7,320.00
B. $3,787.43
C. $5,160.00
D. $3,540.00 36 entre 12 por 6 x 3000
2. Si se invirtieron $1,000 a una tasa de interés del 4.4% anual capitalizable cuatrimestralmente durante
1 año, ¿Cuál es el valor de esa inversión?
A. $1,011.04
B. $1,044.73
C. $1,044.00
D. $1,044.65
3. Si una persona invierte $73,500 y recibe $84,350.00 ¿Qué tasa de interés simple obtuvo?
A. 15.01%
B. 15.65%
C. 12.02%
D. 14.76%
4. Si guardas $10,000 en una caja de seguridad durante 2 años y la inflación es del 3% cada año ¿Cuál
es el valor futuro de tu dinero al final del plazo, en términos del poder adquisitivo que tendrá?
A. $10,000.00
B. $9,708.74
C. $9,425.96
D. $9,433.96
5. La señora Carlota recibió $200 que son el 10% de su tanda, ¿Cuánto dinero le falta por recibir?
A. $20.00
B. $1,050.00
C. $1,800.00
D. $2,000.00
7. Si se invirtieron $1,000.00 a una tasa de interés del 3.3% anual capitalizable trimestralmente durante 9
meses. ¿Cuál es el valor de esa inversión?
A. $1,268.48
B. $1,024.95
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
B. $583.33
C. $400.00
D. $466.67
9. Después de cuatro años de haber invertido un capital a una tasa de interés simple del 7.5%, el
inversionista obtuvo $63,250.78. ¿Cuál fue el capital inicial?
A. $44,275.55
B. $47,362.22
C. $47,685.28
D. $48,654.45
10. ¿Que cantidad se tiene que invertir el día de hoy para tener $15,000.00 dentro de tres meses con
una tasa de interés mensual de 1.8%?
A. $15,825.00
B. $14,190.00
C. $14,231.00
D. $15,810.00
13. Se obtiene un crédito por $180,000.00 para pagar en 120 días; a una tasa de interés simple del 2%
mensual, ¿Qué cantidad debe pagar al vencerse el plazo?
A. $140,000.00
B. $194,830.00
C. $194,400.00
D. $172,800.00
14. Calcular el rendimiento de $41,500 a una tasa de interés del 1.5% mensual durante un año.
A. $622.50
B. $8,118.15
C. $49,618.15
D. $7,470.00
15. Si se invierten $10,000.00 a una tasa de interés del 36% anual capitalizable mensualmente por un
periodo de 3 meses ¿Cuál es el monto que se genera?
A. $14,600.00
B. $10,927.27
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
A. $21,835.97
B. $20,407.00
C. $25,000.00
D. $23,364.49
2.- Los activos financieros en función de los emisores y de los rendimientos o ganancias pueden ser
clasificados en
A. bonos o títulos de renta indexada
B. títulos de renta o renta variable
C. primarios o títulos de renta fija
D. títulos de propiedad o a largo plazo
3.- las siguientes opciones son instrumentos de deuda a corto plazo, con excepción de
A. pagare con vencimiento liquidable al vencimiento
B. aceptaciones bancarias
C. papel comercial
D. certificados de participación ordinarios
4.- son las letras de cambio que emite un banco en respaldo al préstamo que hace a una empresa
A. pagares con rendimiento liquidable al vencimiento
B. depósitos a plazo
C. cetes
D. aceptaciones bancarias
5.- Cuales son los instrumentos del mercado de dinero con mayor liquidez
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
10.- Que termino define el derecho de los propietarios sobre los activos netos de una empresa
A. Riqueza
B. Patrimonio
C. Ganancias
D. Ingreso
11.- que autoridad inspecciona y vigila el cumplimiento de las obligaciones de la ley de instituciones de
crédito
A. La CNSF
B. La CNBV
C. CONDUSEF
D. Instituto de protección del ahorro bancario
12.- Elija del siguiente listado las figuras que se consideran intermediarios del mercado de valores
A.- bolsa mexicana de valores
B.-Casas de bolsa
C.-Sociedades operadores de sociedades de inversión
D.-Casas de cambio
E.- Instituciones de seguros
A. C, D
B. B, C
C. B, E
D. A, D
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
C. Certificado de deposito
D. Cete
17.- Que instrumento financiero avalado por el gobierno federal esta ligado con el índice nacional de
precios al consumidor
A. Bonos BPAS
B. Cetes
C. Udibonos
D. Bondes
18.- Identifique de los siguientes instrumentos financieros cual corresponde al mercado de derivados
A. Certificados de participación
B. Opciones
C. Bondes
D. Pagares
19.- como se llama al instrumento de deuda a corto plazo emitido por empresas mexicanas bien
conocidas, cuyas acciones están cotizadas en la bolsa
A. Acción
B. Udibonos
C. Cete
D. Papel comercial
20.- Elija de las siguientes opciones lo que corresponda a las instituciones financieras que captan
recursos de la colocación de instrumentos inscritos en el registro nacional de valores e intermediarios y
otorgan créditos para determinadas actividades o sector
A. Instituciones de seguros especializados en pensiones der ivadas de las leyes de seguridad social
B. Administradora de fondos para el retiro (afores)
C. Sociedades financieras de objeto múltiple (sofomes)
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
A. Legal
B. Financiero
C. De mercado
D. De operaciones
24.- Cual de los siguientes instrumentos de inversión tienen como emisor el gobierno federal
A. 1,5,6,7
B. 3,4,5,6 (cetes, bondes, udibonos, PICFARAC)
C. 3,4,7,9
D. 2,3,8,9
25.- ¿Cuáles de los siguientes instrumentos de inversión tienen como emisor a instituciones privadas?
A. 2y4
B. 1y2
C. 3y7
D. 5y6
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
A. Son instrumentos derivados de activos fi nancieros clásicos, con renta fija o vari able
B. Son los basados en activos financieros clásicos pero con elevados rendimientos
C. Son instrumentos existentes en el mercado cuyo valor depende del valor de un “bien” (financiero o
no financiero)
D. Son los instrumentos cuya emisión proviene de la Administración Pública
29.- ¿Cuáles son los instrumentos del mercado de dinero con mayor liquidez?
A. Cetes
B. Bonos
C. Papel comercial
D. Aceptaciones bancarias
30.- La rentabilidad de una inversión financiera es una recompensa al tenedor de activos por:
A. Invertir su dinero de manera
maner a productiva
B. Participar en el mercado de bienes
bienes y servicios
C. Renunciar temporalmente al poder de adquisición y soportar el riesgo
D. Incrementar su poder de adquisición futura y sus ganancias
32.- Relaciona el concepto de Tasa de interés Nominal con una de las siguientes definiciones:
A. Tasa de interés del activo menos la i nflación
B. Incremento del valor monetario de una inversión
C. Valor presente de una Inversión
D. Rendimiento de una inversión expresada como el aumento de la cantidad de bienes y servicios que
se pueden comprar
33.- ¿Qué instrumento financiero avalado por el gobierno Federal esta ligado con el Indice Nacional de
Precios al Consumidor?
A. Udibonos
B. Bonos BPAS
C. Cetes
D. Bondes
34.- ¿Cuáles son las características principales que definen el mercado de dinero?
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
2.- una persona obtiene un préstamo por $50,000.00 y acepta liquidarlo año y medio después. Mientras
exista el adeudo pagara un interés simple mensual de 3.5 %, Cuanto debe de pagar de interés cada mes
A. $ 1,750.00
B. $ 31,500.00
C. $81,500.000
D. $ 51,750.00
3.- La Sra. Medrano invirtió $3,000.00 a una tasa de interés del 36 % capitalizable semestralmente por
un periodo de 2 años ¿Cual es el monto que tendrá?
A. $ 7,320.00
B. $3,787.43
C. $5,816.33
D. $5,600.00
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
10.- Calcula el valor que tendrían $525.00 después de 6 meses si se invirtiera a una tasa de interés
simple después de 6 meses si se invirtiera a una tasa de interés simple que da un rendimiento del 2.5 %
mensual
A. $ 608.84
B. $ 531.52
C. $ 558.33
D. $ 603.75
11.- Cual es la Tasa Real si se tiene una tasa nominal anual del 13% con una inflación del 6.9%
R.- 5.7%
13.-Después de 4 años a una tasa de interés simple de 7.5 % obtuvo $63,250.78 Cual fue el capital
inicial.
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
a).- $224428.66
b).- $223851.06
c).- $222130.78
d).- $225575.74
21.- El Sr. López repartió $1250.00 entre sus 2 hijos 3/8 para Pepe y el resto para Sandra ¿Cuánto
recibió Sandra?
a).- $468.75
b).- $781.25
c).- 38 %
d).- $156.25 más que Pepe
22.- Si se tiene una inflación del 6 % y la tasa de interés nominal es del 10 % ¿calcula la tasa real que
recibirá una inversión con dichas características?
a).- 4 %
b).- 3.64 %
c).- 5.77 %
d).- 3.77 %
23.- Una persona invirtio su capital en pagares a 28 días durante 12 periodos y obtiene un rendimiento
total del 15 % Si la inflación en ese periodo fue del 9 % ¿Cuál es la tasa de interés real que obtuvo?
a).- 6.67 %
b).- 5.50 %
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
C. 6.22%
D. 6.73%
29.-Si guardas $10,000 pesos en una caja de seguridad y la inflación es del 3% cada año durante 2
años, ¿Cuál es el valor futuro de tu dinero al final de los años, en términos del poder adquisitivo que
tendrá?
A. $10,000.00
B. $9,425.96
C. $9,708.74
D. $9,433.96
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
CÉDULA A
RIESGOS INDIVIDUALES DE SEGURO DE PERSONAS
ACCIDENTES
ACCIDENT ES Y ENFERMEDADES
ENFER MEDADES A1
1.- En una póliza de Gastos Médicos Mayores, existen gastos cubiertos y exclusiones. Relaciona
éstos con los conceptos descritos:
GASTOS:
1. Cubiertos
2. Excluidos
CONCEPTOS:
a. Eclampsia
b. Circuncisión
c. Parto normal
d. Embarazo molar
a) 1a, d; 2b,c
b) 1b, 2a, c, d
c) 1a, c; 2b, d
d) 1a, b, c; 2d
2.- En caso de que la suma asegurada se agote en una sola enfermedad, ¿Qué pasa si se Presenta
durante la misma vigencia un accidente que no tiene ninguna relación con la enfermedad?
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
a. Vacunación
b. Check-up
c. Aplicación de flúor
d. Enfermedades
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
10.- La enfermedad con que se nace o se contrae en el útero materno, se califica como:
a. Enfermedad preexistente
b. Enfermedad de origen interno al organismo
c. Enfermedad maternal
d. Enfermedad congénita
a. Terapias de rehabilitación
rehabilitación por alcoholismo
b. Servicio de ambulancia
c. Cuidados en casa
d. Suministro de oxígeno
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
15.- Las Instituciones de Seguro especializadas en Salud, están autorizadas para comercializar en
forma adicional el ramo de:
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
20.- Las siguientes son características del reconocimiento de antigüedad en la póliza de Gastos
Médicos, EXCEPTO:
21.- En las coberturas de incapacidad y reembolso de gastos médicos por accidente, ¿Qué indica el
límite de los diez primeros días?
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
a. Residencia
b. Deportes
c. Profesión
d. Estado Civil
26.- Cuando el asegurado haga uso del servicio contratado, está obligado a:
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
CÉDULA A
ASPECTOS GENERALES
1.- ¿Ante qué organismo tendrá que comprobar la capacidad técnica una persona física que solicite la
autorización como agente?
A. Asociación Mexicana de Instituciones y Seguros
B. Comisión Nacional de Seguros y Fianzas
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
7 .- Las sanciones que recibe un agente de seguros cuando comete una infracción al Reglamento de
Agentes de Seguros y Fianzas, ¿Se aplican en f orma sucesiva?
A. Si, depende de la importancia que le de la Comisión Nacional para la
l a Protección y Defensa de los
Usuarios de los Servicios Financieros
B. Si, porque lo marca la ley independientemente de la importancia de la infracción y las condiciones del
infractor
C. No, depende de la importancia que le de el asegurado
D. No, se aplican de forma independiente considerando la importancia de la infracción y las condiciones
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
13.- ¿Quién debe cubrir los gastos de expedición y/o los impuestos que genere la póliza?
A. La Aseguradora
B. El contratante
C. Los beneficiarios
D. El agente
14 .- Elija los dos motivos por los que una Institución debe constituir reservas para obligaciones
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
26 .- Relaciona las entidades con sus respectivas características, de acuerdo a la Ley General de
Instituciones y Sociedades Mutualistas de Seguros:
ENTIDADES:
1. Institución Aseguradora
2. Sociedad Mutualista
CARACTERISTICAS:
a. Constituida como sociedad anónima de capital fijo o variable
b. En ningún momento podrán participar en forma alguna en estas sociedades; entidades financieras del
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions!