下面是 RIBO By-law 考试重点总结。
By-Law No. 1（Organization & Governance）
作用：管理 RIBO 自身如何运作。
考试重点：
1. RIBO 的组织结构
- Council（理事会）
- Officers（管理人员）
- Committees（委员会）
- Annual General Meeting（AGM）
2. Council 任期（★★★★★）
新版规定：
最多连续两届（Two 3-year terms）
也就是：
- 一届 = 3 年
- 最多连续 6 年
考试喜欢问：
Council member may serve:
A. One term
B. Two 3-year terms ✅
C. Unlimited
D. Four terms
3. AGM 法定人数（★★★★★）
新版：
以前：
6 人
现在：
25 人
这是新版最爱考。
By-Law No.2（Election）
主要讲：
Council 如何选举。
考试重点：
新版加入：
Governance and Nominating Committee
负责：
- 寻找候选人
- 审核资格
- 推荐候选人
- 提交 Council
考试通常只会考：
Which committee reviews Council candidates?
答案：
Governance and Nominating Committee.
By-Law No.3（License）
这是考试最重要的一份。
★★★★★
第一部分
License Levels
新版取消以前复杂名称。
现在统一：
Level 1
Level 2
Level 3
分别代表：
Level 1
Entry Broker
在 Principal Broker 监督下工作。
Level 2
Commercial / Technical Broker
仍需 Principal Broker 监督。
Level 3
Management
可以：
- Principal Broker
- Deputy Principal Broker
- Supervising Broker
考试最喜欢问：
Who can become Principal Broker?
答案：
Level 3.
第二部分
Notice Requirement（★★★★★）
这是新版最大的考试重点。
以前：
30 天
现在：
10 天
Broker 如果：
- 地址改变
- 雇主改变
- Licence Status 改变
- 其他影响执照状态的变化
必须：
Notify RIBO within 10 days.
考试几乎每套都会考。
第三部分
License class
现在：
全部统一：
Level 1
Level 2
Level 3
没有以前：
- Acting Under Supervision
- Unrestricted Technical
- Unrestricted
考试喜欢问：
Which licence names are now used?
答案：
Level 1、Level 2、Level 3.
必背数字（★★★★★）
| 内容 | 数字 |
|---|---|
| Council 任期 | 2 × 3 years |
| AGM Quorum | 25 |
| Notify RIBO | 10 days |
| Licence Levels | 3 |
RIBO Level 1 高频考点（★★★★★）
按考试频率排序：
- 10-day Notice Rule
- Level 1 / 2 / 3 Licence
- Principal Broker = Level 3
- Council = Two 3-year terms
- AGM Quorum = 25
- Governance & Nominating Committee
这些都是新版 By-laws 的核心变化，也是 Level 1 考试最容易出现的题目。
如果我们继续按你的复习节奏，我可以接着给你出一套 RIBO By-law 真题风格陷阱题（30题），覆盖新版最容易失分的考点。
这部分是 RIBO Level 1 必考内容。下面这套题我按照 真题 + 陷阱题 的风格设计，很多题目会故意把 By-law、RIB Act、Regulation 991 混在一起，这是考试最喜欢的出题方式。
规则：
- 每题只有 一个最佳答案。
- 做完后把答案发给我，例如：
1B 2C 3A ... 30D - 我会按 RIBO 官方思路 给你评分，并分析每一道陷阱。
RIBO By-law 真题风格陷阱题（30题）
1. Under the current RIBO licensing structure, how many licence levels exist?
A. 2
B. 3
C. 4
D. 5
2. Which licence level is eligible to become a Principal Broker?
A. Level 1
B. Level 2
C. Level 3
D. Any licensed broker
3. A Level 1 broker generally:
A. May supervise Level 2 brokers.
B. Must work under supervision.
C. May operate a brokerage independently.
D. May act as Principal Broker.
4. A licensed broker changes their home address. They must notify RIBO within:
A. 5 days
B. 10 days
C. 15 days
D. 30 days
5. Which of the following changes generally requires notification to RIBO?
A. Home address
B. Employer
C. Legal name
D. All of the above
6. A broker fails to notify RIBO of an address change within the required period. This is MOST likely:
A. Acceptable if no client was harmed.
B. A breach of the By-laws.
C. Only an internal company issue.
D. A criminal offence.
7. The maximum consecutive term for a Council member is:
A. 3 years
B. 4 years
C. Two 3-year terms
D. Unlimited
8. The minimum quorum for the Annual General Meeting is:
A. 6
B. 10
C. 20
D. 25
9. Which committee is responsible for reviewing Council candidates?
A. Discipline Committee
B. Complaints Committee
C. Governance and Nominating Committee
D. Licensing Committee
10.The primary purpose of By-law No. 2 is to govern:
A. Licensing
B. Elections
C. Complaints
D. Financial reporting
11. Which By-law primarily governs licensing?
A. By-law No.1
B. By-law No.2
C. By-law No.3
D. Regulation 991
12. Which By-law mainly deals with the governance and operation of RIBO itself?
A. By-law No.1
B. By-law No.2
C. By-law No.3
D. RIB Act
13. Which licence level normally requires supervision?
A. Level 3 only
B. Level 2 only
C. Level 1
D. None
14. A Level 2 broker may:
A. Automatically become Principal Broker.
B. Work in commercial insurance under supervision.
C. Ignore supervision requirements.
D. Issue licences.
15.
Who has overall responsibility for supervising a brokerage?
A. Any Level 1 broker
B. Senior CSR
C. Principal Broker
D. Claims Adjuster
16.
A broker changes employers. What should they do?
A. Wait until licence renewal.
B. Notify RIBO within the required time.
C. Notify only the insurer.
D. Do nothing.
17.
Which statement is TRUE?
A. By-laws and the RIB Act are identical.
B. By-laws provide rules supporting the Act.
C. By-laws replace the Act.
D. By-laws are optional.
18.
Which of the following is NOT primarily governed by By-law No.3?
A. Licence levels
B. Notice requirements
C. Elections
D. Licensing procedures
19.
Which statement is MOST accurate?
A. A Level 1 broker can supervise Level 3 brokers.
B. A Level 3 broker may become Principal Broker.
C. A Level 2 broker may supervise RIBO Council.
D. Any broker can become Principal Broker.
20.
The Governance and Nominating Committee mainly helps:
A. Conduct investigations.
B. Review candidates for Council.
C. Approve claims.
D. Collect premiums.
情境题（Scenario Questions）
21.
Lisa becomes a Level 1 broker. She wants to open her own brokerage immediately.
What is the BEST answer?
A. Yes.
B. Only if she has five years’ experience.
C. No, because she cannot act as Principal Broker.
D. Yes, if approved by an insurer.
22.
Tom moved to another city but informed RIBO 25 days later.
According to the By-laws, Tom:
A. Complied fully.
B. Reported too late.
C. Never needed to report.
D. Only needed to tell his employer.
23.
Which document primarily establishes the legal authority of RIBO?
A. By-law No.1
B. Regulation 991
C. RIB Act
D. Code of Conduct
24.
Which document mainly explains the broker licensing structure?
A. By-law No.3
C. Code of Conduct
B. Regulation 991
D. FSRA Guidance
25.
A broker asks whether failing to notify RIBO of a name change is acceptable because clients are unaffected.
The BEST answer is:
A. Yes.
B. Only if the employer agrees.
C. No.
D. Only for Level 3 brokers.
26.
Which statement about licence levels is CORRECT?
A. There are only Level 1 and Level 2.
B. Level 3 is the highest licence level.
C. Level 2 is higher than Level 3.
D. Every licence level may become Principal Broker.
27.
The purpose of By-law No.2 is BEST described as:
A. Governing elections.
B. Setting financial requirements.
C. Governing insurance policies.
D. Handling complaints.
28.
Which of the following belongs to By-law No.1?
A. Council governance.
B. Licensing.
C. Notice requirements.
D. Licence suspension procedures.
29.
Which statement is FALSE?
A. Level 3 brokers may become Principal Broker.
B. Brokers must notify RIBO of certain important changes.
C. By-law No.2 mainly governs elections.
D. By-law No.3 establishes Council quorum.
30.
Which of the following is MOST likely tested under By-law No.3?
A. Council election procedures.
B. Licence levels and notification requirements.
C. Annual General Meeting quorum.
D. Council committees.
难度分布（接近正式考试）
- ⭐⭐⭐ 基础题：1–10
- ⭐⭐⭐⭐ 综合题：11–20
- ⭐⭐⭐⭐⭐ 真题风格情境题：21–30
建议：
- 不要查资料，按考试节奏一次完成。
- 将答案按如下格式回复即可：
1B 2C 3B 4B ... 30B
我会像正式 RIBO 考官一样：
- 给你评分（/30）。
- 逐题解析错误原因。
- 总结你的薄弱点。
- 如果正确率达到 85% 以上，我再给你一套 By-law 终极陷阱题（30题，难度高于正式考试），专攻最容易混淆的考点。
⭐ 考试最后30秒必背（By-law）
这几条几乎可以说是送分题：
By-law 1
Organization & Governance
记住：
- Council
- Officers
- Committees
- AGM
- Council 任期
- AGM Quorum = 25
By-law 2
Election
记住一句：
Governance & Nominating Committee
负责：
- 找候选人
- 审核候选人
- 推荐候选人
By-law 3
Licensing
考试最喜欢考：
- ✅ Level 1
- ✅ Level 2
- ✅ Level 3
- ✅ Principal Broker = Level 3
- ✅ Notify RIBO within 10 days
五个必背数字（★★★★★）
| 考点 | 数字 |
|---|---|
| Licence Levels | 3 |
| Notice | 10 days |
| Council Term | 2 × 3 years |
| AGM Quorum | 25 |
| Principal Broker | Level 3 |
