exam Maths Puzzle Numerical Ability

HELP:

BRIAN COSTA DEPOSITED $20,000 IN A NEW SAVINGS ACCOUNT AT 12 % INTEREST COMPOUNDED SEMIANNUALLY. AT THE BEGINNING OF YEAR 4, BRIAN DEPOSITS AN ADDITIONAL $30,000 AT 12 %

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exam Other Question

Use the graph of y=-x^+4x+5 to answer the following:
-x^+4x+5=0 explain how you obtain your answers by looking at the graph:
Does this function have a maximum or minimum?

I do not understand how to look at a graph and tell anything - (3x+2y)^2

Is ^2 multiplied by the coefficients and variables?