What is one of the limitations placed on a full broker who is not affiliated with a BIC?

The correct answer is that a full broker who is not affiliated with a Broker-in-Charge (BIC) cannot maintain a trust account. This limitation is in place to ensure that trust accounts, which are designed to hold client funds safely and securely, are managed under appropriate oversight.

Having a designated BIC ensures that trust accounts are handled in compliance with the law and established regulations. The BIC has the responsibility of overseeing all transactions involving trust funds, maintaining proper records, and ensuring that all legal obligations related to the handling of client funds are met. Without this affiliation, a full broker lacks the authority and necessary supervision to manage trust accounts securely, thus protecting clients from potential mismanagement or misuse of funds.

In contrast, the other options suggest capabilities that are restricted or not applicable for a full broker working independently of a BIC. Maintaining a trust account and offering services without oversight are specifically regulated to prevent risk and ensure professional accountability in real estate transactions.