Exhibit 12

question 62

Multiple Choice

Exhibit 12.5 In the following table,individuals are cross-classified by their age group and income level. Refer to Exhibit 12.5.Which of the following is the estimated joint probability for the 'low income and 21-35 age group' cell?

• A)0.0830
• B)0.0874
• C)0.0996
• D)0.1328

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Definitions:

Due Diligence

The investigation or exercise of care that a reasonable business or person is expected to take before entering into an agreement or contract with another party or an act with a certain standard of care.

Scienter

A legal term referring to the knowledge of the wrongdoing or fraudulent intent in committing an act.

Liability Defense

Liability Defense refers to legal strategies and arguments used to reduce or negate a party's responsibility for a claim or lawsuit.

Insider

An individual with access to confidential or non-public information about a company, often used in the context of insider trading.