Download and save AFE Actual Questions and Cheatsheet

Simply memorize our AFE bootcamp and feel certain about the test. You will pass your AFE exam with high marks or your money back. We have collected a database of AFE study guide from real exams to allow you to memorize and pass Accredited Financial Examiner (AFE) exam on the specific first attempt. Basically set up our Exam Simulator and prepare. You will pass the AFE exam.

Exam Code: AFE Practice test 2022 by team
Accredited Financial Examiner (AFE)
Financial Accredited test syllabus
Killexams : Financial Accredited test syllabus - BingNews Search results Killexams : Financial Accredited test syllabus - BingNews Killexams : How to Become a Financial Advisor No result found, try new keyword!Dorsainvil, a certified financial ... the Series 65 or Series 66 test and complete the registration process outlined by the Investment Advisors Act of 1940. Financial advisors typically earn ... Wed, 21 Sep 2022 07:58:00 -0500 text/html Killexams : Certified Financial Marketing Professional (CFMP)

Testing Update: ABA and Meazure Learning (formerly Scantron) are offering candidates the option of testing via live remote proctoring (LRP). This allows candidates to take the test at their home or other location with a live, remote proctor.

Important Note: With the Meazure Learning acquisition of Scantron, candidates may see communications from Scantron, Meazure Learning, and ProctorU during this transition period. However, this is one organization.

Sun, 25 Sep 2022 01:12:00 -0500 en text/html
Killexams : CBN, NERDC Engage Teachers on Financial Inclusion Syllabus

Ahead of the planned infusion of financial education into the curricula of basic and senior secondary schools in Nigeria, the Nigerian Educational Research and Development Council (NERDC) and the Central Bank of Nigeria (CBN) have jointly organised a workshop for the development of teachers’ guide for the programme.

As part of measures to key into financial inclusion, the NERDC was given the mandate to infuse financial education into the curricula of basic and senior secondary schools in Nigeria from the next academic session.
This was done in collaboration of the CBN and other financial institutions in the country.

Speaking to journalists on the sidelines of the workshop, the Director, Consumer Protection, CBN, Hajiya Umma Dutse, restated the commitment of the central bank and other financial institutions and regulators to the project.
She assured that funding to ensure that teachers to take up the task are adequately trained.

On his part, the Executive Secretary, NERDC, Prof. Ismail Junaidu, said the workshop was organised to take a second look at what had been done at the planning/writing stage of the teachers’ guide development process.

Furthermore, he said the objective of the workshop was to critique the developed teachers’ guide for teaching financial education at the basic and secondary school levels as well as to fine tune what had been prepared.
“It is our hope that the teachers’ guide will be used in training master trainers/teachers in the six geopolitical zones of Nigeria.

“Furthermore, the will serve as good resource materials for teachers. The main objective of financial education is to catch them young so that we can have a re-orientation in terms of how we manage our resources,” he added.

Wed, 05 Oct 2022 12:00:00 -0500 en-US text/html
Killexams : I want a trustworthy certified financial planner who charges less than 1%. Where do I look?

Question: How can I find a financial adviser in my area, who is a certified financial planner and fiduciary and works for less than 1%?

Answer: Financial adviser fees can add up — if your adviser charges 1% and you have $1 million, you’ll pay $10,000 a year for her services — so you’re smart to look for someone trustworthy and who charges less. (Looking for a new financial adviser too? This tool can help match you with an adviser who might meet your needs.)

Pros say it’s smart to look for a fee-only certified financial planner, or CFP. The CFP designation indicates that a planner is required to adhere to a fiduciary duty, meaning they must make decisions with their client’s best interests in mind. Fee-only planners are compensated directly by clients, meaning they don’t receive commissions for their work and any product they recommend isn’t because of any commission they’ll earn. Working with a fee-only CFP not only ensures that you’re working with an experienced, educated planner but that your best financial interests will always be honored. 

The best place to start your search for a planner is by asking trusted friends, family and peers for recommendations. Another great place to look for fee-only, fiduciary financial planners in your area is to use the National Association of Personal Financial Advisors (NAPFA) directory or the CFP Board’s website. “You can find someone locally or work with someone virtually,” adds certified financial planner Danielle Harrison of Harrison Financial Planning.

Have an issue with your financial adviser or want to hire a new one? Email

Most financial planner websites will include if they are a CFP and some will even state how they charge for their services, such as hourly, project-based or on an assets under management (AUM) basis. The average range for hourly planners spans between $200 and $500 and project-based planners often charge between $1,000 and $10,000 depending on the scope of the work. Additionally, planners who work under the AUM model typically charge around 1% of assets under management — but here is how you can pay less for the same service, and here are 6 tips for negotiating with a planner for a lower fee. 

Looking for a new financial adviser too?
This tool can help match you with an adviser who might meet your needs.

Certified financial planner Chris Chen of Insight Financial Strategists says it’s important to ask yourself if price is the main factor in finding a reputable planner. “Presumably you want a good financial adviser for less than 1%. If you shop around, you’ll eventually find it but I would suggest it may be more important to find one that has the service offering that meets your needs,” says Chen. For example, during the interview process, you’ll want to be sure the specific adviser you’re considering has experience working with people like you and financial situations similar to yours. 

As for the fee, certified financial planner Lauren Lindsay of Beacon Financial Planning, says it’s common to have breakpoints lower than 1% depending on how much money you have to manage. “Breakpoints depend on the adviser but usually the client engagement will show you if they don’t have it listed on their website. Advisers should be very transparent about fees, so if they’re not, that would be a red flag,” says Lindsay. 

While many advisers put their fee schedules on their website, you can review their firm’s ADV on the Investment Adviser Public Disclosure site run by the SEC. “It’s important to note that what’s listed in the ADV is the maximum that can be charged. So in actuality, their fees can be less than what’s there, for example, the fees I actually charge in 99% of cases are lower than what I have in my ADV,” says certified financial planner Jarrod Sandra of Chisholm Wealth Management.

The advice, recommendations or rankings expressed in this article are those of MarketWatch Picks, and have not been reviewed or endorsed by our commercial partners.

Wed, 14 Sep 2022 22:20:00 -0500 en-US text/html
Killexams : 95. Certified Financial Group

Certified Financial Group, based in Altamonte Springs, FL, is ranked No. 95 on the 2022 CNBC Financial Advisor 100 list. This is the firm's first appearance on CNBC's FA 100 list.

Total AUM: $2.2B

Years in Business: 23

Accounts Under Management: 5,000

Previous appearances on FA 100 List: 0


Sheri Cuff, President

Joseph Bert, Chief Executive Officer


1111 Douglas Avenue, Altamonte Springs, FL 32714

(407) 869-9800

Tue, 04 Oct 2022 02:18:00 -0500 en text/html
Killexams : Find A Financial Advisor Near You

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Do you need help managing your money? If you’re like many Americans, you might need a hand. According to the National Financial Education Council, a lack of personal finance knowledge costs the average American $1,200 a year.

Finding a good financial advisor can help you avoid these costs and focus on goals. Financial advisors aren’t just for rich people—working with an advisor is a great choice for anyone who wants to get their personal finances on track and set long-term objectives. Follow these steps to find the right financial advisor for your needs.

Related: Find A Financial Advisor In 3 minutes

1. Decide What Part of Your Financial Life You Need Help With

Before you speak to a financial advisor, decide which aspects of your financial life you need help with. When you first sit down with an advisor, you’ll want to be ready to explain your particular money management needs.

Keep in mind that financial advisors provide more than just investment advice. The best financial planner is the one who can help you chart a course for all your financial needs. This can cover investment advice for retirement plans, debt repayment, insurance product suggestions to protect yourself and your family, and estate planning.

Depending on where you are in life, you may not need comprehensive financial planning. People whose financial lives are relatively straightforward, like young people without families of their own or significant debt, might only need help with retirement planning.

People with complex financial needs, however, may need extra assistance. They could be looking to establish college funds or trusts for their children, navigate aggressive debt payment situations or solve tricky tax problems. Not all types of financial advisors offer the same menu of services, so decide which services you need and let this guide your search.

2. Learn About the Different Types of Financial Advisors

There’s no federal law that regulates who can call themselves a financial advisor or provide financial advice. While many people call themselves financial advisors, not all have your best interest at heart. That’s why you have to carefully evaluate potential financial advisors and make sure they are good for you and your money.

Part of learning about the different types of advisors is understanding fiduciary duty. Some, but not all, financial advisors are bound by fiduciary duty, meaning that they are legally required to work in your financial best interest. Other people who call themselves advisors are only held to a suitability standard, meaning they only must suggest products that are suitable for you—even if they’re more expensive and earn them a higher commission. (The SEC is trying to regulate this, though, by limiting the use of “advisor” to those who hold themselves to a fiduciary standard.)

Regardless of which kind of advisor you choose, you should make sure you know how they earn money. This helps you determine if their recommendations are actually better for you—or for their wallets.

Here’s how to think about the different types of financial advisors:

Fee-Only Financial Advisors

Fee-only financial advisors earn money from the fees you pay for their services. These fees may be charged as a percentage of the assets they manage for you, as an hourly rate, or as a flat rate.

Almost all fee-only advisors are fiduciaries. Generally speaking, they have chosen to work under a fee-only model to reduce any potential conflicts of interest. Because their income is from clients, it’s in their best interest to make sure you end up with financial plans and financial products that work best for you.

Financial Advisors Who Earn Commissions

Some financial advisors make money by earning sales commissions from third parties. Among financial advisors that earn sales commissions, some may advertise themselves as “free” financial advisors that do not charge you fees for advice. Others may charge fees, meaning they derive only part of their income from third-party commissions.

Either way, financial advisors who earn third-party sales commissions derive some or all of their income from selling you certain financial products. If you choose to work with a financial advisor who earns sales commissions, you need to take extra care.

Commission-only advisors are not fiduciaries. They work as salespeople for investment and insurance brokerages, and are only held to suitability standards. In contrast, some fee-based financial advisors are fiduciaries, though it’s important to determine if they’re always acting as fiduciaries or if they “pause” fiduciary duty when discussing certain types of products, like insurance.

Related: Find A Financial Advisor In 3 minutes

Keep in mind, commissions aren’t bad in and of themselves. They’re not even necessarily red flags.

Some financial products are predominantly sold under a commission model. Take life insurance: A fee-based planner who receives compensation for helping you purchase a life insurance policy may still have your best interests at heart when advising on other financial products.

“To be clear, there’s nothing wrong with paying the commission for life insurance,” says Karen Van Voorhis, a fee-based certified financial planner (CFP) and Director of Financial Planning at Daniel J. Galli & Associates in Norwell, Mass. “That’s how the structure of that industry works.”

Purchasing financial products via financial advisors that earn commissions may be a matter of convenience, especially if someone will receive a commission regardless of where you buy the product. What’s important is understanding the difference. And if you work with a fee-based financial advisor, understand when they are acting as a fiduciary, especially when they help you purchase financial products.

Looking For A Financial Advisor?

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Registered Investment Advisors

Registered Investment Advisors (RIAs) are companies that provide fiduciary financial advice. RIAs employ Investment Advisor Representatives (IARs), who are bound by fiduciary duty. An RIA may have one or hundreds of IARs working for it.

IARs may call themselves financial advisors, and may be fee-only or fee-based. Some may have additional credentials, including the certified financial planner (CFP) designation.

“The certified financial planner designation is really the gold standard in the financial planning industry,” says Van Voorhis. A CFP designation indicates a financial advisor has passed rigorous industry exams covering real estate, investment, and insurance planning as well as has years of experience in their fields.

Because of their wide range of expertise, CFPs are well suited to help you plan out every aspect of your financial life. They may be particularly helpful for those with complex financial situations, including managing large outstanding debts and will, trust, and estate planning.


Robo-advisors offer low-cost, automated investment advice. Most specialize in helping people invest for mid- and long-term goals, like retirement, through preconstructed diversified portfolios of exchange traded funds (ETFs).

“For younger people who are really tech savvy, a robo-advisor just to manage retirement funds could be a perfect solution,” says Brian Behl, a CFP at Behl Wealth Management in Waukesha, Wisc. “I don’t think they’re going to get as in-depth advice on insurance and retirement and taxes.”

People with complex financial needs should probably choose a conventional financial advisor, although many robo-advisors provide financial planning services a la carte or for higher net worth clients.

“While the robos have really disrupted the industry…I do think there’s still a place for human advisors right now,” says Corbin Blackwell, a CFP at robo-advisor Betterment.

Betterment, for example, allows clients to purchase individual financial advising sessions, and Personal Capital, Wealthsimple, and Betterment provide regular financial planning for clients with higher account balances for a management fee.

3. Choose Which Financial Advisor Services You Want

Services offered by financial advisors vary from advisor to advisor, but advisors may provide any of the following:

  • Investment advice. Financial advisors research different investment options and make sure your investment portfolio stays within your desired level of risk.
  • Debt management. If you have outstanding debts, like credit card debt, student loans, car loans, or mortgages, financial advisors will work with you to chart a plan for repayment.
  • Budgeting help. Financial advisors are experts in analyzing where your money goes once it leaves your paycheck. Advisors can help you craft budgets so you’re prepared to reach your financial goals.
  • Insurance coverage. Financial advisors may examine your current policies to identify any gaps in coverage or recommend new types of policies, like disability insurance or long-term care coverage, depending on your financial situation.
  • Tax planning. Tax planning involves strategizing ways to decrease the amount of taxes you may pay, like by large charitable donations or tax-loss harvesting. Keep in mind that not all financial planners are tax experts and that tax planning is different from tax preparing. You will probably still need a CPA or tax software to file your taxes.
  • Retirement planning. Financial advisors can help you build funds for the ultimate long-term goal, retirement. And then, once you’re retired or nearing retirement, they can help ensure you’re able to keep your money safe.
  • Estate planning. For those who wish to leave a legacy, financial advisors can help you transfer your wealth to the next generation, whether that’s family, friends, or charitable causes.
  • College planning. If you hope to fund loved ones’ educations, financial advisors can craft a plan to help you save for their higher education.

In addition to investment management and financial planning, financial advisors also offer emotional support and perspective during volatile economic times. During the beginning of the coronavirus pandemic in March of 2020, for instance, client demand for financial advisor contact increased by almost 50% .

Related: Find A Financial Advisor In 3 minutes

“I think that during these times, we can be a source of reason,” says Blackwell. “We can weather the storm. We’ve built this portfolio for a reason.”

When choosing a financial advisor, make sure they offer the services you’re looking for in your financial and non-financial lives.

Looking For A Financial Advisor?

Get In Touch With A Pre-screened Financial Advisor In 3 Minutes

4. Decide How Much You Can Pay Your Financial Advisor

It used to be that financial advisors charged fees that were a percentage of the assets they managed for you. Today advisors offer a wide variety of fee structures, which helps make their services accessible to clients of all levels of financial means.

Commission-only advisors may seem free on paper, but they may receive a portion of what you invest or purchase as a payment. These “free” financial advisors typically are available through investment or insurance brokerages. Remember, these advisors may only be held to suitability standards, so they may end up costing what you would pay for a similar financial product suggested by a fiduciary financial advisor—or more.

Fee-only and fee-based financial advisors may charge fees based on the total amount of assets they manage for you (assets under management) or they may charge by the hour, by the plan, through a retainer agreement, or via a subscription model. Common average financial advisor fee rates are listed in the table below:

5. Research Financial Advisors

Because financial advisors come in many forms with many different specialties and offerings, you need to thoroughly research potential advisors. You want to make sure the person guiding your financial decisions is trustworthy and capable.

You can find good financial advisors a couple of ways. Ask friends, family and peers for recommendations. Alternatively, look for financial advisors online. Many professional financial planning associations provide free databases of financial advisors:

When evaluating advisors, be sure to consider their credentials as well as research their backgrounds and fee structures. You can view disciplinary actions and complaints filed against financial advisors using FINRA’s BrokerCheck. And remember, just because someone is a part of a financial planning association, that doesn’t mean they’re a fiduciary financial advisor.

Questions to Ask a Financial Advisor

In your first meeting with a financial advisor, make sure you learn the answers to these questions and that you’re comfortable with their responses.

  • Are you a fiduciary?
  • Are you always acting as a fiduciary? (Some fee-based advisors may not always act as fiduciaries when selling commission-based products.)
  • How do you make your money?
  • What is your approach to financial planning?
  • What financial planning services do you offer?
  • What kind of clients do you normally work with?
  • Do you have any account minimums?
  • Do you have any conflicts of interest in managing my money?
  • What information do I need to bring for you to look at when developing my financial plan?
  • How many times and how often will we meet?
  • Will you collaborate with my other advisors, like CPAs or attorneys?

Related: Find A Financial Advisor In 3 minutes

The Bottom Line

Because of the ambiguity in the industry, you have to exercise caution to make sure you get the right financial advisor who meets your fiduciary and financial needs. That said, when you find the right financial advisor for you, they can help you achieve your financial goals and financially protect your loved ones and their futures.

“So much of what I do in a life-centered approach to financial planning and wealth management is walk out life with people,” says Wes Brown, a CFP at CogentBlue Wealth Advisors in Knoxville, Tenn. “I think there’s value in an ongoing relationship where somebody can help you walk through the various waypoints you’re going to come to.

Looking For A Financial Advisor?

Get In Touch With A Pre-screened Financial Advisor In 3 Minutes

Fri, 30 Sep 2022 02:45:00 -0500 John Schmidt en-US text/html
Killexams : Best Life Insurance Companies Of October 2022

There are two primary types of life insurance: term life and permanent life.

Term Life Insurance

Term life insurance is a policy where you choose the length of coverage, such as 10, 15, 20 or 30 years. If you die within that term, your beneficiary will receive the death benefit. If you outlive the term and don’t renew the policy (at a higher cost), there is no death benefit.

Term life insurance is good for folks who want to cover a specific financial concern, such as income replacement during your working years.

Permanent Life Insurance

Permanent life insurance is good for folks who want a death benefit paid out no matter when they pass away. Permanent life insurance policies also have a cash value component that can accumulate money on a tax-deferred basis. Permanent life insurance is usually significantly more expensive than term life.

People who choose permanent life insurance usually have specific goals in mind, such as supporting financial dependents, funding a trust for heirs, or building cash value to supplement retirement savings.

Permanent life insurance can be broken down into main subtypes:

Whole life insurance

Whole life insurance is predictable because the premiums, rate of cash value growth and amount of the death benefit are fixed and guaranteed.

Universal life insurance

This type offers more flexibility and you may be able to adjust premium payments and death benefits within certain parameters. The cash value growth will depend on the insurer and the performance of the invested assets that are underlying the policy. Types of universal life insurance are fixed-rate universal, guaranteed universal, indexed universal or variable universal.

Permanent life insurance policies can be difficult to understand from quotes or hypothetical illustrations. Simply comparing life insurance quotes or some projection of cash values won’t reveal whether the policy is a good value. “Look under the hood,” advises Flagg of Veralytic. For example, a life insurance agent or financial advisor can request a Veralytic report to see how the policy you’re considering compares to industry benchmarks.

“Ultimately, the premium you’ll have to pay and/or the cash value growth you’ll see depends on what the insurer actually charges and how well the investments do. You want to confirm that internal policy costs are competitive and that the investments within the policy fit your risk tolerance,” cautions Flagg.

Variable life insurance

Variable life insurance offers flexibility not found in whole life insurance, but with a safety net so your death benefit can’t drop below a certain amount.

That flexibility includes deciding on where to invest your cash value. The investments you choose play a vital role in the success of your policy, which makes this an option if you want to play an active role in your life insurance. Unlike a variable universal policy, a variable life insurance policy offers a safety net so that your death benefit won’t fall under a specific dollar figure.

A variable life insurance policy doesn’t let you change your premiums, which also makes it unlike variable universal life.

Similar to other types of permanent life insurance, a variable life policy offers cash value, which you can tap into while you’re alive. You need to make sure your policy maintains at least a minimal level of cash value or your policy could lapse.

No-Exam Life Insurance

Life insurance companies sometimes offer policies without a life insurance medical exam. These no-exam life insurance policies don’t require an test but you may be asked to answer health-related questions.

Types of life insurance policies include:

  • Accelerated underwriting: Life insurance companies primarily use information from third-party sources and algorithms to set your rate. The insurance company will review your prescription drug history, criminal record and driving record to gauge your risk. With that information, the insurance company will set your life insurance rates.
  • Guaranteed issue life insurance: There’s no medical exam, no health questions asked and you can’t be turned down.
  • Simplified issue life insurance: There’s no medical exam, but you likely have to answer a handful of health questions.

Guaranteed issue and simplified issue policies can cost much more than policies that are fully underwritten, but they’re a way to get life insurance quickly and may be the only option for older people and those with health issues.

Other Types of Life Insurance

Other types of life insurance include:

  • Burial insurance: Also called funeral insurance or final expense insurance, a burial insurance policy typically has a small death benefit meant to pay off final expenses, such as $10,000. They are typically whole life insurance policies and will have a high cost for the amount of coverage.
  • Survivorship life insurance: A survivorship life insurance policy, also called second-to-die life insurance, offers coverage for a husband and wife. The death benefit isn’t paid out until both people die.
  • Mortgage life insurance: A mortgage life insurance policy pays off your mortgage if the policyholder dies. The payment goes directly to the mortgage lender.

Supplemental life insurance: Supplemental life insurance is a free or low-cost group policy that may be offered by an employer or group. If a supplemental policy is connected to an employer, you will likely lose that coverage if you quit or are terminated.

Sat, 15 Oct 2022 00:02:00 -0500 Amy Danise en-US text/html
Killexams : CAT 2022 Exam: Check test date, test pattern, marking scheme & mock test details here

CAT 2022: Indian Institute of Management Bangalore has scheduled CAT 2022 test on November 27, 2022 as per the official notification. CAT 2022 will be conducted by IIMs as a prerequisite for admission to various management programmes of IIMs. It will be conducted in centres spread across around 150 test cities. The candidates will be able to check their test centre details in the Admit Card, once released. 

The candidates who are willing to get admission to the management courses and register themselves for CAT 2022 are advised to gear up themselves with the preparations as the only month is left. Candidates can go through this article to know the CAT 2022 test pattern, marking scheme and other test related information that will help them to prepare for the exam. 

Also Read| Haryana NEET Counselling 2022: Last day today to register for round 1, apply now at

CAT 2022 test Pattern

CAT 2022 test will be held in online mode consisting of three sections: Verbal Ability and reading Comprehension, Data Interpretation and Logical Reasoning and Quantitative Ability. The duration of the test will be three hours, with one hour per section.  The marking scheme along with the allotted time has been mentioned below.

Section as per IIM CAT test Pattern 2022 Total Questions Allotted Time
Verbal Ability & reading Comprehension (VARC) 24 40 Minutes
Data Interpretation & Logical Reasoning (DILR) 20 40 Minutes
Quantitative Aptitude (QA) 20 40 Minutes
Total 66 120 Minutes

Also Read| UGC NET 2022 admit card released for Oct 8, 10 exams at, Check steps to download

CAT 2022 Exam: Marking Scheme

The candidates should note that there will be +3 marks for correct answers whereas -1 marks will be deducted for the incorrect answers. No marks will be deducted for unattempted questions. The question paper will be set in MCQs and Non-MCQs (TITA). 

CAT 2022 Mock Test 

The CAT 2022 Mock Test will be uploaded soon on the official website. With the help of CAT 2022, students will be able to prepare for the entrance exams. The mock test will include sample questions that need to be attempted online at the same time as the exam. It will also help candidates to learn how to manage their time when attempting the test and divide attention accordingly. 

Thu, 06 Oct 2022 21:23:00 -0500 en text/html
Killexams : UGC launches syllabus of cyber security course for UG, PG students

As part of Cyber Jaagrookta Diwas 2022, the University Grants Commission (UGC) has launched the syllabus of cyber security course at undergraduate (UG) and postgraduate (PG) level, M. Jagadesh Kumar, chairman, UGC said.

The syllabus aims to create more aware, responsive and responsible digital citizens to contribute effectively to an
overall healthy cyber security posture and ecosystem, Kumar said while speaking on the occasion.

He further said that for classroom transaction of these courses at UG and PG level , Higher Education Institutions (HEIs) may
invite Cyber Security/Computer/IT qualified faculty or experts from Industry/Subject Matter Experts to take the lectures, practical and tutorials.

Further, Deepak Virmani, deputy secretary, Indian Cyber Crime Coordination Centre (14C), Ministry of Home Affairs and his team made a presentation on Prevention of Cybercrime and Adoption of Cyber Hygiene on the occasion.

According to an official statement, the presentation highlighted the themes of securing digital personal finance, mindful usage of social media, expected futuristic cyber attacks, cyber hygiene, email security, mobile and internet security and computer security. This was followed by an interactive question and answer session with the participants.

The event was attended, by vice chancellors, principals, faculty members and students from HEIs across the country. The event was live streamed on social media handles of UGC.

In his concluding remarks, Deepak Kumar Srivastava, vice chairman, UGC, mentioned that creating cyber awareness and sensitizing our internet users on safeguarding against cyberattacks is very much required in present time.

Also Read: BITS Pilani holds Young Entrepreneurs’ Bootcamp for students; earns Rs 5.10 lakh

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Thu, 06 Oct 2022 17:06:00 -0500 en text/html
Killexams : Sunflower Bank Launches Bank On-Certified Financial Empowerment Checking Account in Texas

Sunflower Bank announces that its new Achievement Checking Account was officially certified by the national Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards (2021 - 2022). Being awarded the Cities for Financial Empowerment Fund's Bank On National Account Standards Certification indicates that the Sunflower Bank Achievement Checking Account meets over 25 features for safe and affordable consumer transaction accounts. The Achievement Checking account is currently available in all of Sunflower Bank's personal banking locations in 20 Texas communities.

"We're excited that Sunflower Bank is now one of the 36 institutions offering a safe and affordable, Bank On-certified account to communities large and small across the great state of Texas," said Matt Lamb, Executive Vice President and Chief Retail Banking Officer at Sunflower Bank. "Access to a checking account is an important step for individuals seeking to achieve financial stability, and we look forward to making this beneficial Achievement Checking Account product available everywhere we serve in the coming months."

Texas is a primary market for Sunflower Bank as a result of the April 2022 completed merger of its holding company, FirstSun Capital Bancorp, with Pioneer Bancshares, Inc. ("Pioneer") that also made effective the merger of Pioneer's subsidiary bank, Pioneer Bank, SSB, into Sunflower Bank. Pioneer's geographic footprint of Austin, Central Texas, Dallas, Houston and San Antonio complemented Sunflower Bank's pre-merger locations in Texas.

In addition to connecting unbanked individuals to accounts through the Bank On program, Sunflower Bank is engaged in expanding financial access to low- and moderate-income (LMI) geographies and persons, small businesses, and organizations focused on community development. Other Sunflower Bank programs focused on supporting LMI financial needs in Texas include:

  • Launch of a partnership with On The Road Lending, a nonprofit auto lender that provides character-based affordable loans for reliable cars. On the Road Lending works with LMI individuals who, due to low credit scores, can be forced to purchase unreliable cars at subprime interest rates, robbing the family budget of funds needed to be stable. Sunflower Bank's investment brings the program to its rural Texas markets where public transportation is often non-existent.
  • A new collaboration with Austin Habitat for Humanity to provide below-market interest rate mortgage loans to homebuyers in its homeownership program.

Sunflower Bank's community-banking model is built on local leadership and services. Using this approach, Sunflower Bank is developing partnerships and programs that support the complete financial and credit needs of Texans and all those who reside in its banking and mortgage lending footprint.

About Sunflower Bank

Operating as Sunflower Bank, First National 1870 and Guardian Mortgage, Sunflower Bank, N.A. provides financial solutions to the individual communities it serves. With $7.1 billion in assets as of June 30, 2022, headquarters in Denver, bank locations in five states, and mortgage capabilities in more than 40 states, Sunflower Bank, N.A. provides a full range of relationship-focused services to meet personal, business and wealth management financial objectives. Member FDIC. Equal Housing Lender. First National 1870 and Guardian Mortgage are divisions of Sunflower Bank, N.A.

To learn more visit, or

About the Cities for Financial Empowerment Fund (CFE Fund)

The CFE Fund supports municipal efforts to Improve the financial stability of households by leveraging opportunities unique to local government. By translating cutting edge experience with large scale programs, research, and policy in cities of all sizes, the CFE Fund assists mayors and other local leaders to identify, develop, fund, implement, and research pilots and programs that help families build assets and make the most of their financial resources. The CFE Fund is currently working in over 100 cities and counties, and has disbursed over $59 million to local governments and their partners to support these efforts. For more information, please visit or follow us on Twitter at @CFEFund.

About Bank On

Bank On coalitions are locally-led partnerships between local public officials; city, state, and federal government agencies; financial institutions; and community organizations that work together to help Improve the financial stability of unbanked and underbanked individuals and families in their communities. The Bank On national initiative builds on a grassroots movement of over 90 coalitions in cities across the country, offering national account standards, capacity grant support, pilot funding, and a learning community. In addition to connecting unbanked individuals to accounts, Bank On programs raise public awareness, target outreach to the unbanked, and expand access to financial education. Visit for more information, or follow the conversation on Twitter @CFEFund #BankOn.

© 2022 Benzinga does not provide investment advice. All rights reserved.

Wed, 28 Sep 2022 09:33:00 -0500 text/html
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