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The Koyal Group Insurance Compliance (Corrects headline to show probe is over legal compliance) March 3 (Reuters) - A federal grand jury is probing Citigroup Inc, including its Banamex USA affiliate, over compliance with the U.S. Bank Secrecy Act and anti-money laundering requirements, the company said. In an annual filing on Monday with the U.S. Securities and Exchange Commission, the company said the probe includes subpoenas from the U.S. Attorney's Office for the District of Massachusetts. The company also said Banamex USA had received a subpoena from the U.S. Federal Deposit Insurance Corp. While the U.S. attorney may bring criminal charges, the FDIC is a civil agency. The criminal probe follows other problems that have surfaced with Banamex, which operates Citigroup's largest single consumer bank outside of the United States and has been portrayed by the company as a model of its global strategy.
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Why a 4°C Warmer World Must be Avoided Turn Down the Heat Why a 4°C Warmer World Must be Avoided November 2012 A Report for the World Bank by the Potsdam Institute for Climate Impact Research and Climate Analytics © 2012 International Bank for Reconstruction and Development / The World Bank 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Rights and Permissions The material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to the Office of the Publisher, The World Bank, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2422; e-mail: firstname.lastname@example.org. Contents Acknowledgements vii Foreword Executive Summary Observed Impacts and Changes to the Climate System Projected Climate Change Impacts in a 4°C World Rising CO2 Concentration and Ocean Acidification Rising Sea Levels, Coastal Inundation and Loss Risks to Human Support Systems: Food, Water, Ecosystems, and Human Health Risks of Disruptions and Displacements in a 4°C World
Latihan Soal IPA - UN dan SNMPTN/PTS 2012/2013 - 04-09-2013 Universitas Esa Unggul - http://www.esaunggul.ac.id Latihan Soal IPA - UN dan SNMPTN/PTS 2012/2013 Tuesday, April 09, 2013 http://www.esaunggul.ac.id/future-student/latihan-soal-ipa-un-dan-snmptnpts-20122013/ Latihan Soal IPA UN dan Ujian SNMPTN/PTS 2012/2013 Modul 1 Bahasa Indonesia Bahasa Inggris Matematika IPA Fisika Kimia Biologi Modul 2 Bahasa Indonesia Bahasa Inggris Matematika IPA Fisika Kimia Biologi _______________________________________________ PDF generated by Universitas Esa Unggul page 1 / 1 Powered by TCPDF (www.tcpdf.org) 4 Sep 2013 ... Latihan Soal IPA - UN dan SNMPTN/PTS 2012/2013 - 04-09-2013. Universitas Esa Unggul - http://www.esaunggul.ac.id. Latihan Soal IPA - UN ...
BAHASA INGGRIS : XII IPA/IPS : 90 menit Mata Pelajaran Kelas/ Program Waktu Choose A, B, C, D, or E for the correct answer. Listening Section In this section of the test, you will have the chance to show how well you understand spoken English. There are three parts to this section with special directions for each part. Part I Questions 1 to 5 Directions: In this part of the test, you will hear some dialogues or questions spoken in English. The dialogues or questions will be spoken two times. They will not be printed in your test book so you must listen carefully to understand what the speakers say. After you hear a dialogue and the question about it, read the five possible answers and decide which one would be the best answer to the question you have heard. Now listen to a sample question. You will hear: Man : How about exercising tomorrow morning? Woman : Alright. Pick me up at 6. You will also hear: Narrator : What will the man do? You will read in your test book: a. Do exercise at 6. b. Go with six women. c. Take exercise alone. d. Leave the woman alone. e. come to the woman’s house. The best answer to the question is “Come to the woman’s house.” Therefore, you should choose answer (e). 1. a. She cut herself quite badly. b. She wasn’t given any help. c. She cried while slicing onions. d. She sliced the onions hurriedly. e. She was going to make fried rice. 2. a. Do his assignment b. See a book fair. c. Buy a history book. d. Offer the woman a book. e. Go to the woman’s house. 3. a. To buy a novel. b. To read a novel. c. To lend a novel. d. To go to a bookstore. e. To finish reading a novel. 4. a.1 b.2 c.3 d.4 e.5 Latihan Soal UN dan Ujian SNMPTN /PTS 2012/2013 1 5. a.1 b.2 c.3 d.4 e.5 PART II Questions 6 to 10 Directions: In this part of the test, you will hear a statement or a question spoken in English, foolowed by four responses, also spoken in English. The statement or question and the responses will be spoken two times. They will not be printed in your test book, so you must listen carefully to understand what the speakers say. You have to choose the best response to each statement or question. Now listen to a sample question: You will hear: Woman : Good morning, John. How are you? Man : …… You will also hear: a. I am fine, thank you. c. Let me introduce myself. b. I am in the living room. d. My name is John Travolta. 6. 7. 8. 9. 10. The best answer to the question “How are you?” is choice (a), “I’m fine, thank you.” Therefore, you should choose answer (a). Mark your answer on your answer sheet. Mark your answer on your answer sheet. Mark your answer on your answer sheet. Mark your answer on your answer sheet. Mark your answer on your answer sheet. Part III Questions 11 to 15 Directions: In this part of the test, you will hear several monologues. Each monologue will be spoken two times. They will not be printed in your test book so you must listen carefully to understand what the speakers say. After you hear a monologue and the questions about it, read the five possible answers and decide which one would be the best answer to the questions you have heard. 11. a. b. c. Goose hunting An unfaithful dog An unusual accident d. A mathematics teacher e. Chambers Country Policeman 12. a. b. c. Arthur Houston Labrador d. Perry Price e. Joe LaRive Latihan Soal UN dan Ujian SNMPTN /PTS 2012/2013 2 13. a. b. c. It lies on high land. It is densely populated. It lies on a flat low plain area. d. The climate is hot and humid. e. It is at the mouth of the Ciliwung River. 14. a. b. c. James’ pet dog Muggs’ characteristics Muggs’ strange behavior d. The night when Muggs died e. Browny, the Cocker Spaniel 15. a. b. c. Andre Muggs James d. Browny e. George This is the end of the listening section Reading Section Text 1 is for number 16 Miss Ratu, I’m going to have a business trip to Surabaya and Jakarta. I’d like to go by train from here to Surabaya this afternoon and spend two days there. Then I’d like to fly to Jakarta and stay there for three nights. 1. Please book an executive class train ticket and seat reservation to Surabaya. 2. Please book single room with bath for three nights (Wed 1, Thurs 2, Fri 3) at Sulthan Hotel, Jakarta Selatan. Thanks, Raja 16. What is the message about? A. B. C. D. E. Mr. Raja’s request to his secretary. Ratu’s plan to Surabaya. A business trip to Surabaya. Mr. Raja’s schedule to Jakarta. A reservation for a train ticket. Text 2 is for number 17 Hi, Guys! 78 shs will hold a Fund Raising Activity next month. It is intended to help victims of earthquake in several areas in Aceh. Everyone who is interested in this activity, please join us. You are also invited to donor your used clothes. For further information, please contact Teuku as the chief program cocoordinator at his office or to the following numbers: 021- 7996070 081318777056 17. What is the activity for? A. Collecting used clothes B. Helping their raising activity C. Joining fund raising activity D. Helping victims of earthquakes E. Inviting neighbor to donor used clothes Text 3 is for number 18 The University of Australia The University of Australia has an international reputation for educational professionals and applied research. It is Australia’s largest university, with six campuses, including a specialized technology campus. The university places particular importance on the quality of its teaching and learning programs, and on its working links with industry, business and government. 18. Which information is NOT TRUE about the University of Australia? Latihan Soal UN dan Ujian SNMPTN /PTS 2012/2013 3 A. B. C. D. E. It has an international educational reputation It also has a specialized technology campus It has six technology campuses It is Australia’s largest university It has good relation with industry Text 4 is for number 19 and 20 Quake Rocks Southern Philippines Philippines: A 5,3-magnitude earthquake struck the southern Philippines on Thursday, the U.S. Geological Survey said, but there were no reports of casualties or damage. The undersea quake struck at 11:20 a.m. (03200 GMT) around 96 kilometers south east of the southern city of General Santos on the island of Mindanao, the U.S. agency said. The quake was felt in various cities in Mindanao but was not large enough to cause any major damage or panic, said the Philippine Institute of Volcanology and Seismology (Phivolcs). The archipelago nation, made up of more than 7,000 islands, sits on the Pacific “Ring of fire” where continental plates collide, causing frequent seismic and volcanic activity. (Adapted from the Jakarta Post, December 2008) 19. How do we know that the quake was not considered as a big one? Because .... A. It was an undersea quake B. There was no victims or damage C. The quake was less than 5,3 magnitute D. The distance was deep down the sea E. The quake rocked the center of Mindanao, ...