-7b - 9ac + 4b + 12ac, is equivalent to

Choose all that apply. select all of the fees a credit card may have. annual fee apr balance transfer fee cash advance fee late fee overdraft fee over-the-limit fee

What is the answer to this question? i'm a bit stumped. also how do i do it? 5(x - 4) = 2(x + 5)

Could somebody me with this radical simplification?