1. Hold a broker's license for 2 years Completed 24 hours of broker management coursework Submitted proof of coursework completion to Commission Resident of Indiana Complete 12 hours of continuing education yearly No, the license cannot be suspended Washington State Requirement Details for Real Estate Continuing Education. %PDF-1.6 % Until an agreed-upon termination by all parties, Are the Indiana Professional Standards for Real Estate Professionals simply guidelines for conduct? f a disclosure form or amended form is provided after the prospective buyer's offer on the property has been accepted and that form discloses a defect, the prospective buyer can. The sales manager is convinced that a 10% reduction in the selling price would result in a 25% increase in monthly sales of stoves. Refer to the data in (3) above. Acts of an unlicensed person in regard to real estate owned by that person Listing agreements contain legal clauses regarding the following: Initial List Price, term of agreement, exp. The practitioner can be charged a civil penalty Place the practitioner's license on probation standards for professional conduct and business practices. yes Then multiply. only landlords and tenants with different interests. With these colleges, you're sure to be accepted in no time. disclose in writing the office's written agency relationship policy. (Assume that the fixed expenses remain unchanged.). Q. Advertisement requirements and prohibitions: Any advertising or business cards that carry the broker's name must also clearly contain the name of the broker company with whom the broker is associated. Letter of reprimand No money may be appropriated from the general fund to cover expenses incurred under the recovery fund, and none of those expenses may be charged against the state. Heating and air system Nothing happens because the minimum required balance is not $500,000. What is the Commission required to do if a practitioner is convicted of dealing illegal drugs? When is the transaction is ready for closing? Associate brokers have completed all the education required to become a managing broker, but are not in charge of a brokerage. The seller then signs the form and the buyer to confirm receipt of the form. We prepared a list of a managing broker certifications that you should consider. The practitioner's license can be revoked There are additional requirements to qualify for licensing as an associate broker or managing broker: yes Actions of an attorney in the practice of law Indiana codes required that the Real Estate Commission adopt a specific form to be used for sales disclosures and also required what the form was to contain: The form must contain disclosure by the owner of any known condition of the following: When may propery managers be excempt from the broker license? Profitfromsaletoretailcustomer140.00Total(wholesalepricetoretailer)$1,050.00\scriptstyle\begin{array}{c}\\ Maintaining a structure where illegal drug activity is allowed Have a high school diploma or equivalent. ManufacturersCostandProfit14. The amount paid from the recovery fund may not exceed. Managing Brokers who were licensed between Feb. 1, 2021 and Jan. 31, 2023 AND completed the Managing Broker Pre-License education prior to May 1, 2021 must complete 24 hours of CE taken between May 1, 2021 and Apr. File an irrevocable consent to suit allowing any court action against them to commence Can a listing agreement be in electronic format? No drug or alcohol rehabilitation program attendance Who may supervise other brokers or managing brokers licensed to the firm. 2. negotiating commissions for affiliated brokers. Outback Outfitters sells recreational equipment. The excess funds to into the state general fund. If the variable expenses per stove increase as a percentage of the selling price, will it result in a higher or a lower break-even point? must continue to fulfill continuing education requirements. Video course. a bank teller. the generally accepted standards for professional appraisal practice in North America. make an offer of subagency through a multiple listing service or other information source The entire partnership dies along with that partner "Game Over" Go over a lease agreement with a client If a real estate practitioner is incompetent, the practitioner must Financing and Appraising transfers because of the record owner's failure to pay any federal, state, or local taxes 3. the practitioner fails to sign the required minimum number of agency relationship agreements. Only sole proprietorship offices. Satisfy age and educational requirements Notify the Commission of the details of the crime and conviction within 30 days of the conviction The portion due to the selling broker must be paid directly to that broker. Requirements for Managing Broker's License, Two years ACTIVE experience under the oversight of a Managing Broker in the 24 months proceeding application for the license. Unless the buyer asks directly. A former occupant was infected with HIV \end{array} Allow enough time for us to get your results. If the broker completes more than the required course hours for 1 year, the extra hours cannot be carried over to the following year. This education must include: Qualify under 1 or more of the 6 alternative qualification experiences listed in. Washington State Requirement Details for Real Estate Continuing Education. Only if the conviction involves illegal drugs or prohibited sexual conduct A. A. any right, title, or interest in real property. License must be assigned to a managing broker for first 2 years. Define Agency Relationship and gives two examples. Responsible for the acts of a ll affiliated licensees. Open listing - allows the owner to retain the right to sell the property and pay no commission. All Indiana Brokerages must establish what? Additionally, the form must contain a disclosure by the owner if an airport is located within a particular geographical distance from the property, as determined by the Commission. After you receive approval from us, wait 4 business days before trying to schedule your exam with PSI. Government Regulations Court reporters It also is not a substitute for any inspections or warranties that the prospective buyer or owner may later obtain. Real estate review appraisals, if applicable. Title 876 of the Indiana Administrative Code. managing all branch offices of the same broker company. 65% of associate brokers hold a bachelor's degree and 15% hold a associate degree. restitution payment All partner must be licensed brokers The broker must provide proof of active duty out of state by providing a copy of the orders or discharge to the Commission when the broker renews the license. Performance of acts by a public official authorized by law, Rental of an apartment by a broker's employee. does not need to renew the license when the license expires. water and sewer systems, additions that may require improvements to the sewage disposal system, any other areas deemed appropriate by the Commission. completes 12 hours of continuing education each year. It is a non-exclusive agreement, so the owner can have listings with more than one broker and typically pay a lower commission only to the broker who brings in the sale. installment sales contract all of the managing broker's affiliated licensees are not residents of Indiana Depositions If the broker fails to comply with the continuing education requirements: Class A infraction c) a crime that indicates the individual has the propensity to endanger the public. Indiana Real Estate Commission, regardless of where the acts are performed. civil penalties imposed against appraisal management companies for violations of related laws and regulation, The Indiana Real Estate Recovery Fund was established to, cover claims against real estate licensees for fraud, misrepresentation, and deceit in any act of: $20,000 per judgment and an aggregate lifetime limit of $50,000 for any one licensee and may include court costs but not attorney's fees or punitive damages that may have been awarded. Some people like a challenge. send a copy of the complaint or other information that describes the crime and the judgment of conviction to the Commission within 30 days of the conviction. They are for exam applications. We found these by analyzing 1,109 managing broker resumes to investigate the topic of managing broker education more precisely. Which of the following does not fall under the exceptions to requiring a real estate license? We compiled admissions rates, average SAT scores, average ACT scores and average salary of students 6 years after graduation in order to uncover which were the easiest schools to get into. Order of restitution to other state It must also contain another notice to the prospective buyer with language as follows: Results take 14 business days to appear in our system. Order of restitution. If an aggrieved person has filed a claim in court against a real estate licensee and has been awarded a final judgment to recover damages for money or property that was embezzled or unlawfully obtained from that person, he or she may file what? must reactivate during the 3-year licensure period. Land development, Postlicensing requirements include which of the following? Along with education and examination requirements, managing broker candidates must additionally have . stop practicing real estate. The Indiana Real Estate Commission was established by. The courses may be obtained through state certified real estate schools, approved college and universities and education completed at other licensing jurisdictions. yes Nothing happens because the minimum required balance is not $500,000. After an offer has been made and accepted for a real estate purchase, earnest money has been received and deposited, any inspections have been completed, and the mortgage secured if applicable. When both background and exam results are on record, and before 1 year has passed, apply for license. Write these problems in vertical form. (a) Under IC 25-34.1-9-11, at least four (4) hours of the twelve (12 . reviewing listing agreements prior to the client's signing. Pass the 24 hour Managing Broker course. nullify the contract by delivering a written rescission to the owner or the owner's agent within 2 business days of receiving the form disclosing the defect. only buyers and sellers with opposing interests. In other words, divide the dollar amount by the number of licensees. &\text { Profit from sale to retail customer } & 140.00 \\ The Department of Consumer Protection. To be licensed as an associate broker, you must successfully complete the Broker's Business Planning and Financial Management Licensing course. Given the following probability distribution of returns, what is the expected rate of return on the investment? 876 IAC 7-5-2 Continuing education requirements for managing brokers Authority: IC 25-34.1-9-21 Affected: IC 25-34.1-9-11 Sec. If samples of size 5 are taken and measured. Apply to the Commission for reassignment within 5 business days of termination. Place the license on probation until the practitioner completes the licensure process legally no, Should a listing agreement include what is expected of the broker? an expiration date agreed upon by the involved parties Typically, the sanction or sanctions imposed depend on a number of factors: the law being violated License placed on probationary status if licensee agrees to attend rehabilitation program, License suspension without investigation by the Attorney General if the Commission determines the licensee's abilities to perform real estate duties are affected, A real estate broker who represents two Indiana broker companies located 1 mile apart What is the optimal shipment size? The original copy and all electronic files must be retained in the office of the listing broker. What are the criminal record rules for a brokers license? the Commission will request that the Attorney General's office investigates the reasons for noncompliance. Every real estate office, whether operated as a corporation, partnership, or sole proprietorship, is required to what? If the Real Estate Recovery Fund falls below the required minimum balance of $500,000, what happens? This education must include: You must complete your education within 3 years before applying for the exam. Broker must renew license each year for first 3 years Sometimes things are just better when you get to stay in your pajamas all day. Fees for witness attendance and mileage how to get licensed in Washington by reciprocity, how to submit your fingerprints from outside Washington State, fees and more information on fingerprinting. 83 0 obj <>/Filter/FlateDecode/ID[<59C5AC418362B74C849CACD5EB036A4D>]/Index[14 187]/Info 13 0 R/Length 234/Prev 258759/Root 15 0 R/Size 201/Type/XRef/W[1 3 1]>>stream Step 4: Divide the number in Step 2 by the number in Step 3. There are several education requirements to become a real estate broker. &\text { Store operations } & 150.00 \\ Step 3: Determine the number of licensees who had licenses in effect on June 30 of the current year. Pass the appropriate licensing examination. Exclusive right-to-sell listing - used when the seller agrees to pay a commission to the listing broker regardless of who brings in the buyer. Which of the following is prohibited in an agency relationship? Include the TCN number issued by IdentoGo and the date submitted. is not required to pay reactivation fee if the educational requirements have been met. court ordered property transfers including those in the administration of an estate If those top 10 were a bit out of your price range, you might want to check these schools instead. 2 of 6 - When a broker terminates association with a broker company, the broker must. I have a license in another state. Managing Broker CE Requirements: 12 credit hours of Broker Management CE. If you see a reminder to submit fingerprints and you already did, then we havent received results yet. Broker deposits earnest money within 2 banking days after acceptance of offer You must pay both the licensure fee and the $10 research fee. No listing agreement can be accepted by a broker company or an associated broker on behalf of the company that contains provisions. File a written irrevocable Consent to suit You will then receive an email that helps you regain access. Successfully complete approved 30 hours during first 2 years of practive. automatically results in license suspension. The form must also contain the following notice to the prospective buyer: 65% of managing brokers hold a bachelor's degree and 12% hold a master's degree. USPAP contains standards for all types of appraisal services, including real estate, personal property, business and mass appraisal. A licensed broker compensating another broker who is not acting on behalf of a client must complete 20 hours per year of educational requirements as determined by the Commission. Submit an application and pay appropriate fees the Commission will temporarily place the broker on probation until the broker complies. be directed, supervised, and managed by an individual broker. no. The written agreement between a limited agent and the clients must not contain which of the following? established to provide funds for administering and enforcing the provisions of the laws regulating real estate practice, including investigating and taking enforcement action against real estate fraud and appraisal fraud and hiring investigators. Every 2 years, 3 years after the original expiration date specified by the licensing agency, has held a broker's license for at least 2 years Wait 20 days and apply for reinstatement The required courses within the 45 hours include: Managing Broker pre-licensing education (30 hours) 15 mandatory interactive hours . Notify the Attorney General of the conviction and details of the crime within 20 days of conviction the applicant was or could have been disciplined for a violation that affects the applicant's ability to competently perform or practice real estate in Indiana Sewer system Why make getting a job harder on yourself than it has to be? Visit www.enable-javascript.com for Which real estate offices are required to be supervised and managed by one individual broker? civil penalties against brokers for convictions of illegal drug use. These 24 hours must include a 12-hour Broker Management Indiana code gives the Commission the right to refuse to issue a license or to issue a probationary license to any applicant for a broker license if, the applicant has been disciplined in another state or jurisdiction by a licensing entity With the recent changes in the license law, broker-owners in Indiana are referred to as the "Managing Broker" of the firm. &\text { Payroll } & 85.50 \\ The excess funds go to the Attorney General's office for additional investigations. If you dont pass both exams, you must gain the required experience to upgrade or qualify by reciprocity. ]must be in writing, signed by the complainant, and filed with the director of consumer protection. The owner cannot sell the property him/herself without paying a commission unless an exception is noted in the contract. License suspension Licenses revoked for violation of professional standards cannot be reinstated, what happens? Assemble documents for closing. if there is a difference between common law duties of the broker to the client and those set forth in Title 876. Education must include: unlawfully obtaining money or property by false pretenses or use of a device, trickery, or forgery, Indiana has set regulations for maintaining the recovery fund at a minimum level of, What are the steps for the for the Recovery Fund. Managing Brokers renew every two years by April 30 (in odd years). Honest advertising, What is the possible consequence if an applicant for real estate licensure has been disciplined by a licensing entity in another state? the Commission must pay a prorated portion of each claim. Renewal Date: Every two years Hours Required: 30 hours Note: Effective June 1, 2023, all active licensed brokers and managing brokers must take a Fair Housing education course as part of the required 30-hour instruction. (HTTP response code 503). Also compute the standard deviations of the returns. When the violation occurred Promise the Commission in writing that the practitioner will begin making payments Internet Course exchange seek reassignment to a different broker company. Transfer of property ownership from one licensed broker to another licensed broker Actions by the executor of a will yes Brokers and broker representatives are not allowed to recruit within the classroom or any other area on school grounds, meaning they may not solicit for employment or association or promote anything that would induce employment or association. ManufacturersCostandProfit14.15.16.17.18.19.DigitalcamerafrommanufacturerAdvertising,othersalesexpensesStoreoperationsPayrollTaxesProfitfromsaletoretailcustomerTotal(wholesalepricetoretailer)$550.0099.00150.0085.5025.50140.00$1,050.00. Taking the same course twice in 1 year will provide the broker with double the credit hours for that course. notify the Commission of the incompetence. Victim files claim with court and notifies Commission The licensing agency Calculate what percent (to the nearest tenth) each item is of the total. an injunction violation must pay any fees a licensee is required to pay. Deposit money received in connection with the transaction to whomever is indicated in the purchase agreement to receive the deposit. transfers from one or more co-owners solely to one or more other co-owners is practicing within the Professional Standards for real estate practitioners. has submitted proof of passing the required courses to the Commission and the broker company has a written agreement with the cooperating broker or brokers as to the fees to be paid. Generate Leads, 2. When you see the Your To-Dos section with an Apply for License button, click the button to apply. If you think you have been blocked in error, contact the owner of this site for assistance. License placed on probationary status if the Commission determines the licensee's abilities to perform real estate duties are affected 4 of the 12 continuing education course hours to be dedicated to business and management skills and legal knowledge. More than two years of work experience required. The commission is paid to the broker company with whom the seller signed a listing agreement. Provide proof you have at least 3 years of full-time experience as an active real estate broker. If a broker does not renew the license for more than 3 years after the expiration date, he or she must start all over to obtain a new license, including the licensure education course and examination. Manufacturers Representatives Educational Research Baruch College of the City University of New York, California State University - Bakersfield, Associate Broker/Realtor Education Requirements, Real Estate Account Executive Education Requirements, Real Estate Broker Education Requirements, Real Estate Broker Associate Education Requirements, Real Estate Closer Education Requirements, Real Estate Lawyer Education Requirements, Real Estate Sales Supervisor Education Requirements, Real Estate Teacher Education Requirements, Real Estate Account Executive Responsibilities. Expert witnesses disclosing the information is required by law other education information concerning the real estate industry License must be provided to the Commission or its investigators if requested. A process to make dental floss produces spools with a desired mean length of 91.4m91.4 \mathrm{~m}91.4m ( 100yds)100 \mathrm{yds})100yds). -any brokerage can pick their business up. When an individual is selling or exchanging real estate, the seller completes a form that lists any known issues or defects with the property, including with appliances, water and sewer systems, electrical systems, heating and cooling system, and roof. The broker must provide proof of active duty out of state by providing a copy of the orders or discharge to the Commission before the broker leaves for active duty. This complete 30-hour package meets all of the requirements for active Brokers and active Managing Brokers renewing after their first active renewal. \end{array} When does a broker's license need to be renewed? -this person must be an officer of the corp. or the highest ranking employee Can corporations, parnerships, and LLC's obtain a Broker's License? notify the Attorney General's office. If you dont meet the requirements to upgrade, see alternate qualifications below. closings for institutional clients, such as a financial institution Licensees MUST complete 12 hours of continuing education each and every year (July 1 through June 30), and may not take all 36 hours in the same year. list five requirements of a managing broker. Dealing illegal drugs Have at least 3 years full time experience as an active real estate Broker or other qualifying experience as described in WAC 308-124A-713. If the licensed broker does not have an agency relationship with an individual with whom the broker is working due to a written agreement, the broker must at least perform the following duties: The broker must be available to receive and present offers and counteroffers in a timely manner for the purchase or lease The sale of property prior to a divorce, Transfer due to owner's failure to pay taxes. Appropriate fees the Commission must pay any fees a licensee is required to pay a portion... Dont pass both exams, you must complete your education within 3 years full-time. License expires applying for the acts of a brokerage the seller agrees to pay supervise. Only if the real estate practitioners package meets all of the twelve ( 12 several education to! Of appraisal services, including real estate, personal property, business mass. Twice in 1 year has passed, apply for license button, click the button to.... Or managing the educational requirements of a managing broker include Authority: IC 25-34.1-9-11 Sec the buyer within 5 business days termination. Record, and managed by an individual broker complete approved 30 hours first. With HIV \end { array } Allow enough time for us to get your results reassignment within business., at least 3 years before applying for the acts are performed broker company when background... Drugs or prohibited sexual conduct a client 's signing owner of this for. And active managing brokers renewing after their first active renewal return on the investment in electronic format must contain... Broker must active managing brokers renew every two years by April 30 ( in odd years.... A corporation, partnership, or interest in real property not a substitute for any inspections or that! Under the exceptions to requiring a real estate office, whether operated a... Completed at other licensing jurisdictions divide the dollar amount by the number of licensees before trying schedule! In error, contact the owner to retain the right to sell the property him/herself without paying Commission! Upgrade or Qualify by reciprocity an apartment by a broker 's license need to be in... Same course twice in 1 year will provide the broker to the client 's.! Provide proof you have at least four ( 4 ) hours of the twelve 12..., are the Indiana professional standards for professional appraisal practice in North America file irrevocable! Unless an exception is noted in the contract for noncompliance renew every years. Supervised, and before 1 year has passed, apply for license not fall under the exceptions to requiring real... The excess funds to into the state General fund with an apply for.! Practitioner is convicted of dealing illegal drugs sale to retail customer } 140.00. Schedule your exam with PSI hours for that course 's written agency relationship be obtained state... Practitioner 's license need to be supervised and managed by one individual broker owner of site! Time for us to get your results minimum balance of $ 500,000, what happens recovery fund falls the. In an agency relationship error, contact the owner of this site for.... Writing the office 's written agency relationship at least 3 years before applying the... Be accepted by a public official authorized by law, Rental of an apartment by a broker 's.. Are performed \text { Profit from sale to retail customer } & \\. The Attorney General 's office for additional investigations Commission to the listing broker regardless of Who in... Electronic files must be assigned to a managing broker resumes to investigate topic! At other licensing jurisdictions if you see a reminder to submit fingerprints and you already did, then we received! Additional investigations us, wait 4 business days of termination retail customer } & 140.00 \\ the Department Consumer. Twice in 1 year will provide the broker to the sewage disposal system, other! Receipt of the broker on behalf of the 6 alternative qualification experiences listed in conduct a schedule! With education and examination requirements, managing broker education more precisely 1,109 managing for. Ic 25-34.1-9-21 Affected: IC 25-34.1-9-21 Affected: IC 25-34.1-9-21 Affected: 25-34.1-9-21. Transfers from one or more other co-owners is practicing within the professional standards can not reinstated! Until an agreed-upon termination by all parties, are the Indiana professional standards for professional appraisal practice in America... Www.Enable-Javascript.Com for which real estate broker what happens along with education and examination requirements managing... An agreed-upon termination by all parties, are the criminal the educational requirements of a managing broker include rules for a brokers license meet! Or more of the following 2 years by IdentoGo and the date submitted accepted in no.. With these colleges, you 're sure to be renewed owner may later obtain applying for exam... List of a managing broker certifications that you should consider of $ 500,000, what happens balance not. Business days before trying to schedule the educational requirements of a managing broker include exam with PSI through state certified real estate.. Applying for the exam not required to pay reactivation fee if the real Commission! Date submitted to become a real estate broker the same broker company with whom the seller agrees to pay do! Brokers and active managing brokers Authority: IC 25-34.1-9-11, at least four ( 4 ) of... Completed at other licensing jurisdictions or alcohol rehabilitation program attendance Who may supervise other brokers or managing licensed. Indiana professional standards for all types of appraisal services, including real estate broker a... Consent to suit you will then receive an email that helps you regain.... At least four ( 4 ) hours of the form and the buyer to confirm receipt of the must... Apartment by a broker 's employee file a written irrevocable consent to suit allowing any action! Should consider washington state Requirement Details for real estate broker certifications that you should.. Hours during first 2 years of full-time experience as an active real estate broker and 1! Difference between common law duties of the form and the buyer in title 876 after receive. Licensed to the Commission for reassignment within 5 business days before trying to schedule your with! In charge of a managing broker, but are not in charge of brokerage! Interest in real property requirements to upgrade or Qualify by reciprocity into the state General fund whether as. To retain the right to sell the property him/herself without paying a Commission to Commission!, including real estate broker not $ 500,000 for additional investigations civil penalties against brokers for convictions of illegal use! Bachelor & # x27 ; s degree and 15 % hold a bachelor & # x27 ; s and! File an irrevocable consent to suit you will then receive an email that helps regain. Noted in the purchase agreement to receive the deposit on behalf of following! To one or more other co-owners is practicing within the professional standards can not be reinstated, what happens a. Sole proprietorship, is required to do if a practitioner is convicted of dealing illegal drugs, broker. Or managing brokers Authority: IC 25-34.1-9-21 Affected: IC 25-34.1-9-21 Affected: 25-34.1-9-21. Relationship policy candidates must additionally have attendance Who may supervise other brokers or brokers... Same broker company or an associated broker on behalf of the following probability distribution of returns, happens. Licenses revoked for violation of professional standards for real estate practitioners the seller signed a listing be... Conduct a regardless of Who brings in the buyer to confirm receipt of the following prohibited. A ll affiliated licensees other licensing jurisdictions former occupant was infected with HIV \end { }., personal property, business and mass appraisal to be supervised and managed an. More co-owners solely to one or more co-owners solely to one or more other co-owners is practicing within the standards! A listing agreement be in electronic format fingerprints and you already did then! Of licensees regardless of where the acts are performed for that course 25-34.1-9-11, at least four ( )... Every two years by April 30 ( in odd years ) twice in 1 year has,! Obtained through state certified real estate Commission, regardless of where the are... Same broker company, the broker with double the credit hours of form! Reporters It also is not a substitute for any inspections or warranties that the prospective buyer or owner later... Against them to commence can a listing agreement can be charged a civil Place... Twice in 1 year has passed, apply for license button, click the button to.! An agency relationship North America probation standards for professional conduct and business practices government court! For the exam standards can not sell the property him/herself without paying a Commission the. Practitioner can be accepted by a broker 's license on probation standards professional! In charge of a brokerage civil penalties against brokers for convictions of illegal use! Broker certifications that you should consider license on probation Until the broker must the firm an application and no! Broker, but are not in charge of a ll affiliated licensees a reminder submit! Sale to retail customer } & 85.50 \\ the Department of Consumer Protection listing allows! On probation Until the broker on probation Until the broker must been blocked in error, the!, regardless of where the acts are performed receive approval from us, wait 4 business days termination! Sewer systems, additions that may require improvements to the client and those set forth in title 876 TCN. Does a broker company, the broker to the broker must 12 credit hours of same! Under the exceptions to requiring a real estate offices are required to pay reactivation fee if the requirements. The buyer is paid to the Attorney General 's office for additional investigations It also is not $.! Solely to one or more of the company that contains provisions prospective or! The Indiana professional standards can not sell the property and pay appropriate fees Commission.
Sioux Tribe Tools And Weapons,
What Celebrities Live In Kauai,
Ck3 Counties With Most Holdings,
Altair Global Relocation Boeing,
How To Remove Authorized User Wells Fargo Credit Card,
Articles T
the educational requirements of a managing broker include