{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch0\stshfloch0\stshfhich0\stshfbi0\deflang2057\deflangfe2057\themelang5129\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\f39\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Tahoma;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f40\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f41\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f43\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f44\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f45\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f46\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f47\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f48\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f50\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f51\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f53\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f54\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f55\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f56\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f57\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f58\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f410\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f411\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\f413\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f414\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f417\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f418\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}
{\f430\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f431\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}{\f433\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f434\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}
{\f435\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f436\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}{\f437\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f438\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}
{\f439\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}
{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}
{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;
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\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \snext0 \sqformat \spriority0 Normal;}{\s1\ql \li0\ri0\sb240\sa60\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af1\afs32\alang1025 
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\sbasedon0 \snext0 \slink16 \sqformat \spriority9 heading 2;}{\s3\ql \li0\ri0\sb240\sa60\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af1\afs26\alang1025 \ltrch\fcs0 
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Default Paragraph Font;}{\*\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\trcbpat1\trcfpat1\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
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\rtlch\fcs1 \ab\af0\afs32 \ltrch\fcs0 \b\fs32\lang5129\langfe5129\kerning32\loch\f31502\hich\af31502\dbch\af31501\langnp5129\langfenp5129 \sbasedon10 \slink1 \slocked \spriority9 Heading 1 Char;}{\*\cs16 \additive \rtlch\fcs1 \ab\ai\af0\afs28 \ltrch\fcs0 
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\sbasedon10 \slink3 \slocked \spriority9 Heading 3 Char;}{\*\cs18 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\f37\fs26\lang5129\langfe5129\langnp5129\langfenp5129 \sbasedon10 \slink5 \slocked \spriority9 \styrsid10823633 Heading 5 Char;}{\*\cs19 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \fs16 \sbasedon10 \ssemihidden annotation reference;}{\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\jclisttab\tx1492\wrapdefault{\*\pn \pnlvlbody\ilvl0\ls4\pnrnot0\pndec }
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\jclisttab\tx720\jclisttab\tx1492\wrapdefault{\*\pn \pnlvlbody\ilvl1\ls4\pnrnot0\pndec }\aspalpha\aspnum\faauto\ls4\ilvl1\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 
\sbasedon0 \snext21 \spriority0 S3: Numbered subsection;}{\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext22 \sqformat \spriority0 S2: Single subsection;}{\s23\ql \li0\ri0\sb120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext23 \spriority0 SC4: Unnumbered Schedule section;}{\s24\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext25 \ssemihidden \spriority0 05 - Long title;}{\s25\qj \li0\ri0\sa360\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
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\s26\qc \li0\ri0\sb360\sa360\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext27 \ssemihidden \spriority0 
01 - Member name;}{\s27\qc \li0\ri0\sa360\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \b\fs32\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 
\sbasedon0 \snext0 \ssemihidden \spriority0 02 - Act title;}{\s28\qc \li0\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 
\b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext28 \ssemihidden \spriority0 03 - Contents;}{\s29\qc \li0\ri0\widctlpar\tx540\tqr\tldot\tx8296\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext0 \sautoupd \spriority39 toc 2;}{\s30\qc \li0\ri0\sb360\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext31 \spriority0 H1: Part number;}{\s31\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext20 \spriority0 H2: Part title;}{\s32\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext0 \sautoupd \spriority39 toc 1;}{\*\cs33 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf2 \sbasedon10 Hyperlink;}{\s34\ql \li0\ri0\widctlpar\brdrb
\brdrs\brdrw10\brsp20 \wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext34 \ssemihidden \spriority0 Horizontal rule;}{
\s35\ql \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext35 \slink36 \ssemihidden 
header;}{\*\cs36 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang5129\langfe5129\langnp5129\langfenp5129 \sbasedon10 \slink35 \slocked \ssemihidden Header Char;}{\s37\ql \li0\ri0\widctlpar
\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext37 \slink38 \ssemihidden footer;}{\*\cs38 
\additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang5129\langfe5129\langnp5129\langfenp5129 \sbasedon10 \slink37 \slocked \ssemihidden Footer Char;}{\*\cs39 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \ssemihidden page number;}{
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\ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon21 \snext41 \spriority0 S4: Paragraph;}{\s42\qj \fi-510\li1814\ri0\sa60\widctlpar\jclisttab\tx1440\jclisttab\tx1492\jclisttab\tx1814\wrapdefault{\*\pn 
\pnlvlbody\ilvl3\ls4\pnrnot0\pndec }\aspalpha\aspnum\faauto\ls4\ilvl3\adjustright\rin0\lin1814\itap0 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon41 \snext42 \spriority0 
S5: subparagraph;}{\s43\qj \fi-624\li2438\ri0\sa60\widctlpar\jclisttab\tx1492\jclisttab\tx1800\jclisttab\tx2438\wrapdefault{\*\pn \pnlvlbody\ilvl4\ls4\pnrnot0\pndec }\aspalpha\aspnum\faauto\ls4\ilvl4\adjustright\rin0\lin2438\itap0 \rtlch\fcs1 
\ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon41 \snext43 \spriority0 S6: subsubparagraph;}{\s44\qj \fi-510\li2948\ri0\sa60\widctlpar
\jclisttab\tx1492\jclisttab\tx2160\jclisttab\tx2948\wrapdefault{\*\pn \pnlvlbody\ilvl5\ls4\pnrnot0\pndec }\aspalpha\aspnum\faauto\ls4\ilvl5\adjustright\rin0\lin2948\itap0 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon41 \snext44 \ssemihidden \spriority0 26 - subsubsubparagraph;}{\s45\qr \li0\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext45 \sqformat \spriority0 SC0: Shoulder reference;}{\*\cs46 \additive \b\fs24 \ssemihidden \spriority0 06 - Enacting words Char;}{
\s47\qc \li0\ri0\sb840\sa840\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext27 \ssemihidden \spriority0 
01A: Placeholder;}{\s48\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls5\ilvl1\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 
\b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext22 \spriority0 SC3 Numbered Schedule section;}{\s49\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext49 \slink50 \ssemihidden annotation text;}{\*\cs50 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f37\fs22 
\sbasedon10 \slink49 \slocked \ssemihidden \styrsid13464120 Comment Text Char;}{\s51\qc \fi-357\li357\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin357\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext48 \spriority0 SC2: Schedule heading;}{\s52\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext51 \spriority0 SC1: Schedule number;}{\s53\qc \li0\ri0\sb60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs22\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext53 \ssemihidden \spriority0 40 - End;}{\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext20 \spriority0 H4: Crossheading;}{\s55\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs16\alang1025 
\ltrch\fcs0 \f39\fs16\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext55 \slink56 \ssemihidden \sunhideused Balloon Text;}{\*\cs56 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f39\fs16 \sbasedon10 \slink55 \slocked \ssemihidden 
Balloon Text Char;}{\s57\qc \li0\ri0\widctlpar\tqr\tx8302\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang1024\langfe1024\cgrid\noproof\langnp5129\langfenp5129 
\sbasedon0 \snext0 \sautoupd \spriority39 \styrsid9770345 toc 3;}{\s58\ql \li0\ri0\widctlpar\tx709\tqr\tx8302\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext0 \sautoupd \spriority39 toc 4;}{\s59\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext24 \ssemihidden \spriority0 04 - TOC End;}{\*\cs60 \additive \fs24\lang5129\langfe5129\langnp5129\langfenp5129 \slocked \spriority0 S4: Paragraph Char;}{\*\cs61 \additive 
\fs24\lang5129\langfe5129\langnp5129\langfenp5129 \slocked \spriority0 S3: Numbered subsection Char;}{\s62\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext62 \ssemihidden Normal (Web);}{\*\cs63 \additive \b\fs24\lang5129\langfe5129\langnp5129\langfenp5129 \slocked \spriority0 S1: Section heading Char;}{\*\cs64 \additive 
\fs24\lang1033\langfe1033\langnp1033\langfenp1033 \slocked \spriority0 Normal (Web) Char;}{\s65\qj \fi-720\li1440\ri0\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext65 \spriority0 SA2A: Amdt numbered subsection;}{\s66\qj \fi-698\li2138\ri0\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2138\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext66 \spriority0 SA3: Amdt paragraph;}{\s67\qj \fi-697\li2835\ri0\widctlpar
\jclisttab\tx2138\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2835\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext67 \spriority0 SA4: Amdt subparagraph;}{
\s68\ql \fi-360\li1492\ri0\widctlpar\jclisttab\tx720\jclisttab\tx1492\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin1492\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 
\sbasedon0 \snext68 \sautoupd \ssemihidden List Bullet 5;}{\s69\qj \li720\ri0\sb180\sa180\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext69 \spriority0 E1: Editorial note;}{\*\cs70 \additive \b\fs24\lang5129\langfe5129\langnp5129\langfenp5129 \spriority0 E1: Editorial note Char;}{\s71\ql \fi-720\li720\ri0\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon24 \snext71 \ssemihidden \spriority0 05A - Long title list;}{
\s72\ql \li849\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin849\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon0 \snext72 \ssemihidden List Continue 3;}{\*
\cs73 \additive \fs24\lang5129\langfe5129\langnp5129\langfenp5129 \spriority0 S2: Single subsection Char;}{\s74\ql \li960\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin960\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext0 \sautoupd \ssemihidden \spriority39 toc 5;}{\s75\ql \li1200\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1200\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext0 \sautoupd \ssemihidden \spriority39 toc 6;}{\s76\ql \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext0 \sautoupd \ssemihidden \spriority39 toc 7;}{\s77\ql \li1680\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1680\itap0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext0 \sautoupd \ssemihidden \spriority39 toc 8;}{
\s78\ql \li1920\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1920\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext0 \sautoupd \ssemihidden \spriority39 
toc 9;}{\s79\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs20\alang1025 \ltrch\fcs0 \b\fs20\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 
\sbasedon49 \snext49 \slink80 \ssemihidden \sunhideused \styrsid13464120 annotation subject;}{\*\cs80 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f37\fs22\lang5129\langfe5129\langnp5129\langfenp5129 
\sbasedon50 \slink79 \slocked \ssemihidden \styrsid13464120 Comment Subject Char;}{\s81\ql \li720\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 
\ltrch\fcs0 \f37\fs22\lang5129\langfe1033\cgrid\langnp5129\langfenp1033 \sbasedon0 \snext81 \sqformat \spriority34 \styrsid3743295 List Paragraph;}{
\s82\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon0 \snext82 \spriority0 \styrsid9859514 text;}{\*\cs83 \additive \spriority0 \styrsid9859514 hit;}{\*\cs84 \additive \spriority0 \styrsid10823633 label;}{\*\cs85 \additive \spriority0 \styrsid10823633 apple-converted-space;}{
\s86\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \snext86 \shidden \ssemihidden \styrsid4216508 Revision;}{\*
\cs87 \additive \f1\fs24\cf1 \spriority0 \styrsid145625 fontstyle01;}}{\*\listtable{\list\listtemplateid-689673898\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0 \fi-360\li1492\jclisttab\tx1492\lin1492 }{\listname ;}\listid-128}{\list\listtemplateid-376772246\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\leveltemplateid-217564028\'03(\'00);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4680\lin4680 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6840\lin6840 }{\listname ;}\listid321198512}{\list\listtemplateid-1941513556{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow2\levelstartat1
\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \s51\fi-360\li360\lin360 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \s48\fi-720\li720\jclisttab\tx720\lin720 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'02);}{\levelnumbers\'01;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'03);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0 \fi-360\li1440\jclisttab\tx1440\lin1440 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'04);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1800
\jclisttab\tx1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'05);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li2160\jclisttab\tx2160\lin2160 }
{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li2520\jclisttab\tx2520\lin2520 }{\listlevel\levelnfc4\levelnfcn4
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li2880\jclisttab\tx2880\lin2880 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li3240\jclisttab\tx3240\lin3240 }{\listname ;}\listid482045473}{\list\listtemplateid-1495001978{\listlevel\levelnfc0\levelnfcn0
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'01\'00;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'01);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-720\li720\jclisttab\tx720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\'03(\'02);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-584\li1304\jclisttab\tx1304\lin1304 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03(\'03);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-510\li1814\jclisttab\tx1814\lin1814 }{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'04);}{\levelnumbers
\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-624\li2438\jclisttab\tx2438\lin2438 }{\listlevel\levelnfc1\levelnfcn1\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'05);}{\levelnumbers\'02;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0 \fi-510\li2948\jclisttab\tx2948\lin2948 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 
\fi-720\li720\jclisttab\tx720\lin720 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li2880
\jclisttab\tx2880\lin2880 }{\listlevel\levelnfc255\levelnfcn255\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li3240\jclisttab\tx3240\lin3240 }
{\listname ;}\listid1478961070}{\list\listtemplateid789244916\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-1425776894\'03(\'00);}{\levelnumbers\'02;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3240\lin3240 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3960\lin3960 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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\ltrch\fcs0 \b\fs20\insrsid16345886 \tab }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \insrsid16345886 2017, No. 3}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \insrsid16345886\charrsid13709131 
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\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886 2017\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid13709131 Financial Transactions Reporting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886 \tab No. 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid16345886\charrsid13709131 
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\par }\pard\plain \ltrpar\s28\qc \li0\ri0\sa240\widctlpar\tqc\tx4156\tx7150\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4787245 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 
\b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Contents
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16345886 1\tab Title
\par 2\tab Commencement
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid16345886 Part 1
\par Preliminary Matters
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 3\tab Purpose
\par 4\tab Interpretation
\par 5\tab Meaning of reporting institution
\par 6\tab Meaning of financial transaction
\par 7\tab Meaning of monitored transaction
\par 8\tab Meaning of ultimate principal
\par 9\tab Application of this Act to reporting institutions
\par 10\tab Act binds the Crown
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid16345886 Part 2
\par Compliance and Risk Assessment
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 Subpart 1 - Internal Compliance Policies, Procedures and Controls
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 11\tab Application of this subpart
\par 12\tab General requirement for internal compliance programme
\par 13\tab Money Laundering Reporting Officer
\par 14\tab Group policy
\par 15\tab Testing and assessing compliance
\par 16\tab New staff appointments
\par 17\tab Training
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 Subpart 2 \endash  Risk Assessment
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 18\tab Risk assessment of the reporting institution
\par 19\tab Risk assessments by existing businesses
\par 20\tab New technologies
\par 21\tab Customer risk assessment
\par 22\tab Exemption to requirements of this Part
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid16345886 Part 3
\par Customer Due Diligence and Record Keeping
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 23\tab Reliance on risk assessment when establishing level of risk
\par 24\tab Basis for verification
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 Subpart 1 - Customer Due Diligence
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 25\tab Standard customer due diligence
\par 26\tab Requirements for when due diligence cannot be undertaken
\par 27\tab Simplified customer due diligence
\par 28\tab Delay in verification of identity
\par 29\tab Enhanced customer due diligence
\par 30\tab Customer due diligence in suspicious circumstances
\par 31\tab Politically exposed persons
\par 32\tab Ongoing customer due diligence and monitoring
\par 33\tab Existing customers
\par 34\tab Reliance on third parties
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 Subpart 2 - Electronic funds transfers and correspondent banking due diligence requirements

\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 35\tab Interpretation
\par 36\tab Application of this subpart
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid16345886 Electronic funds transfers
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 37\tab Electronic funds transfers: due diligence requirements
\par 38\tab Obligations of a reporting institution that is a beneficiary institution
\par 39\tab Obligations of a reporting institution that is an intermediary institution
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid16345886 Correspondent banking due diligence
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 40\tab Correspondent banking due diligence
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 Subpart 3 - Record Keeping
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 41\tab Retaining information and records
\par 42\tab Format and retrieval of information and records
\par 43\tab Records of reports and enquiries
\par 44\tab Information or records to be made available
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid13109832 Part 4
\par Financial Transactions Reporting
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid13109832 Obligation to report certain transactions
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 45\tab Obligation to report certain cash transactions
\par 46\tab Obligation to report electronic funds transfers
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid13109832 Obligation to report suspicious activity
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 47\tab Duty to report suspicious activity
\par 48\tab Suspicious activity by persons of interest
\par 49\tab Supervisory body or auditor must report suspicious activity
\par 50\tab Form and content of reports
\par 51\tab Further monitoring and reporting
\par 52\tab Additional information
\par 53\tab Tipoff prohibited
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid13109832 Part 5
\par Miscellaneous Matters
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid13109832 Prohibitions and Offences
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 54\tab Prohibition on anonymous, fictitious and false accounts
\par 55\tab Prohibition on dealing with shell banks
\par 56\tab Concealing identity through nominee or trustee arrangements
\par 57\tab Concealing scope and amount of financial transactions (structuring)
\par 58\tab False or misleading information in connection with suspicious activity
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid13109832 Legal Status, Privilege, Protection and Liability
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 59\tab Primacy of this Act
\par 60\tab Legal professional privilege
\par 61\tab Protection for acts taken in compliance with this Act
\par 62\tab Liability of directors or officers of legal person
\par 63\tab Penalties for offences
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid13109832 Regulations and Practice Guidelines
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 64\tab Regulations
\par 65\tab Practice guidelines
\par 66\tab Status of practice guidelines
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid16345886\charrsid13109832 Transitional Provisions
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16345886 67\tab Transitional arrangements
\par 68\tab Repeal
\par 69\tab Consequential amendments
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10894946 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid13109832 Schedule 1
\par Amendments to Acts
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{\field{\*\fldinst {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid16345886  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\lang1024\langfe1024\noproof\insrsid10894946 2}}}\sectd \ltrsect
\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid16345886 
\par }}{\footerr \ltrpar \pard\plain \ltrpar\s37\qr \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 
{\field{\*\fldinst {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid16345886  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\lang1024\langfe1024\noproof\insrsid10894946 3}}}\sectd \ltrsect
\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid16345886 
\par }}{\headerf \ltrpar \pard\plain \ltrpar\s35\ql \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886 2017\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886\charrsid13709131 Financial Transactions Reporting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16345886 \tab No. 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid16345886\charrsid13709131 
\par }}{\footerf \ltrpar \pard\plain \ltrpar\s37\qr \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 
{\field{\*\fldinst {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid16345886  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\lang1024\langfe1024\noproof\insrsid10894946 1}}}\sectd \ltrsect
\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \fs20\insrsid16345886 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar
\s24\ql \li0\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13709131 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 An Act to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13186299 help }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 combat financial misconduct and the commission of serious offences}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982\charrsid1003982 
 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 monitoring }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 certain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1003982 transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 .
\par }\pard\plain \ltrpar\s25\qr \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13709131 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b0\insrsid13709131 (23 June 2017)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\insrsid13709131\charrsid13709131 
\par }\pard \ltrpar\s25\qj \li0\ri0\sa360\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 The Parliament of the Cook Islands enacts as follows\emdash 
\par {\*\bkmkstart _Toc469311933}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 1\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\keepn\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Title
{\*\bkmkend _Toc469311933}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 This Act is the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 Financial}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13186299  Transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  Reporting Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5840885 2017}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 .
\par {\*\bkmkstart _Toc469311934}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 2\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\keepn\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Commencement
{\*\bkmkend _Toc469311934}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 This Act comes into force on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1059005 the day after the date on which it receives assent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s30\qc \li0\ri0\sb360\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 {\*\bkmkstart _Toc299280601}{\*\bkmkstart _Toc469311935}Part 1{\*\bkmkend _Toc299280601}{\*\bkmkend _Toc469311935}
\par }\pard\plain \ltrpar\s31\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 {\*\bkmkstart _Toc299280602}{\*\bkmkstart _Toc469311936}P}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431 {\*\bkmkend _Toc299280602}reliminary M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 atters{\*\bkmkend _Toc469311936}
\par {\*\bkmkstart _Toc469311937}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 3\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Purpose
{\*\bkmkend _Toc469311937}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4619132 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
Th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8351543 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8351543 is concerned with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9576372 transactions that relate to financial misconduct and other serious offences. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8351543 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8351543 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15477945 purpose of this Act is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372  to assist in the prevention, detection, investigation, and prosecution of financial misconduct and other serious offences. 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9576372\charrsid4619132 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid5530731 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid4619132 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 Act aims to achieve its purpose}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid4619132  by requiring certain persons to do the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5530731 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5530731 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4619132 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5530731 establish and maintain internal policies, procedures and controls to address their risks of financial misconduct; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9576372\charrsid4619132 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid4619132 
assess their risks re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid9576372 lating}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10045403  to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid9576372  financial misconduct}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4619132 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9576372\charrsid4619132 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid4619132 
ensure they undertake customer due diligence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12328372 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid4619132  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945\charrsid15477945 and}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid9576372\charrsid5530731 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5530731 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5530731 
keep records of customer due diligence information and transactions; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5530731 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9576372\charrsid4619132 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5530731 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9576372\charrsid4619132 report certain transactions and suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5530731\charrsid12210437 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9576372\charrsid5530731 
\par {\*\bkmkstart _Toc469311938}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 4\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\keepn\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Interpretation
{\*\bkmkend _Toc469311938}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 In this Act, unless the context otherwise requires\emdash 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 account}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  means a service }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8141214 that is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 provi}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid1003982 ded by a reporting institution allow}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8141214 ing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  a person }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395  do 1 or more of the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8141214\charrsid8141214 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
deposit currency:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}withdraw currency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8141214 :}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (c)\tab}pay cheques}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8141214 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (d)\tab}collect cheques}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9178506 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9178506 \hich\af0\dbch\af0\loch\f0 (e)\tab}store property}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9178506 with that institution:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9178506 \hich\af0\dbch\af0\loch\f0 (f)\tab}c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8781900 arry out}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9178506  financial transactions }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7110229 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid15559537 activity }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15559537 means 1 or more acts or omissions undertaken by a person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13186299  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16282355 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7110229 by or under }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 in relation to this Act means\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7110229 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7110229 by this Act or by an oversight }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 ct:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7110229 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls9\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 by regulations or other delegated legislation made under this Act or under an oversight }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 ct:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7110229 \hich\af0\dbch\af0\loch\f0 (c)\tab}by any guideline or direction made under this Act or under an oversight }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15477945 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 ct:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7110229 \hich\af0\dbch\af0\loch\f0 (d)\tab}by an order of the Court made under this Act or under an oversight }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15477945 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 ct
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8127229 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid6560371 c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395\charrsid6560371 heque}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8127229  means a bearer negotiable instrument as defined in the Currency Declaration Act }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5840885 2015-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8127229\charrsid12396256 2016}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7110229 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15474437 competent authority}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15474437  means}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8354743 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15474437 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls42\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8354743 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15474437 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8354743  Public Expenditure an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 d Review Committee and Audit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8354743 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8354743 \hich\af0\dbch\af0\loch\f0 (b)\tab}the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10045403  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15474437 Cook Islands Police}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8354743 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8354743 \hich\af0\dbch\af0\loch\f0 (c)\tab}the F}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 IU}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8354743 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8354743 \hich\af0\dbch\af0\loch\f0 (d)\tab}the F}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 SC:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8354743 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15474437 \hich\af0\dbch\af0\loch\f0 (e)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15474437 the Revenue Manageme
nt Division of the Ministry of Finance and Economic Management}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8354743 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7110229 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\lang2057\langfe5129\langnp2057\insrsid8789889\charrsid13714998 compliance programme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid8131272  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid2906366  a reporting institution\rquote s internal policies, procedures and controls that assist with the detection and prevention of financial misconduct and provide compliance wi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid8418875 th the requirements of this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889\charrsid8131272 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1003982 c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7110229 ompliance visit }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229 has the same meaning as in the Financial Intelligence }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15559537 Unit Act 2015}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7110229\charrsid7110229 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 consolidated supervision, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid5927157 
in relation to a financial services group, means supervision of the group by a regulatory body on the basis of the totality of its business, wherever conducted}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15474437 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\insrsid3742395\charrsid224308 Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  means the High Court of the Cook Islands}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15474437 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3757511 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\lang1033\langfe1033\langnp1033\langfenp1033\insrsid3757511 Crown }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511 includes\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3757511 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls7\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3757511 every department, instrument, servant and agent of the Crown; and 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6770022 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6770022 every}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2171871  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511 body corporate or organisation that is wholly owned or controlled by the Crown
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid3742395\charrsid5927157 currency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls22\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4527996 currency as defined in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10045403 he Currency Declaration Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 2015-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10045403\charrsid12328372 2016}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6770022\charrsid12328372 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6770022  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996 \hich\af0\dbch\af0\loch\f0 (b)\tab}virtual currency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid3742395 customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  a person with whom}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
 or on behalf of whom}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6770022  a reporting institution }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 enters into a transaction and includes}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6770022 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par }\pard\plain \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4619132 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid4619132 (a)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid271106 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6770022 each}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  person in whose name an account is opened or maintained}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5927157 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13401841 (b)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid271106 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6770022 each}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  person in whose name a transaction is conducted}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par }\pard \ltrpar\s41\qj \fi-720\li1440\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid14887939 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13401841 (d)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid271106 \tab }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid3742395 any person to whom an account or a transaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2171871 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  assigned or transferred}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 :}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674 (e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13401841\charrsid13847651 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid271106\charrsid13847651 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid13847651 
any person on whose behalf the account or transaction is being conducted}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157\charrsid13847651 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid13847651 
\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4619132 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674 (f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13401841 )}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14887939 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 any other}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5530731  person that may be prescribed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3757511 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid3757511 digital format}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511  has the same meaning as in the Digital Registers Act 2011}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511\charrsid3757511 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5927157 d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 ocument}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395  means a record of information }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511 whether in digital format or hard copy format}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 , and includes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511  a}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 ny}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls11\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 map}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 plan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3757511 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5927157 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 graph drawing}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15477945 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15477945 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 photograph}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 
\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5452475 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5452475 deputy MLRO }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5452475 
means a person appointed under section 13 to temporarily act on behalf of the MRLO in his or her absence or to assist the MLRO in undertaking their duties}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5452475\charrsid5452475 
\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9510352 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9510352 electronic funds transfer }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352 means
\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9510352 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls41\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14182696 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352 a transaction carried out on behalf of a person (the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid9510352\charrsid14182696 originator}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352 ) through a reporting institution by electronic means with a view }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5009100 to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352 
making an amount of money available to a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9510352\charrsid2906366 beneficiary}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352  (who may also be the originator) at another}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14182696  reporting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352  institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14182696 ; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14182696 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14182696 
includes a transaction, or class of transactions prescribed for the purposes of the this Act; but
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14182696 \hich\af0\dbch\af0\loch\f0 (c)\tab}excludes\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14182696 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14182696 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14182696 transfers and settlements between reporting institutions if both the originator and beneficiary are financial institutions acting on their own behalf; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14182696 \hich\af0\dbch\af0\loch\f0 (ii)\tab}
credit and debit card transactions if the credit or debit card number accompanies the transaction;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12396256  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14182696 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14182696 \hich\af0\dbch\af0\loch\f0 (iii)\tab}any other transaction or class of transactions prescribed for the purposes of this Act}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14182696\charrsid9510352 
\par }\pard\plain \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8266658 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\insrsid8266658\charrsid16333147 evidence of identity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13847651\charrsid16333147  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13847651 
means evidence of identity obtained in accordance with the procedures in sections }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 25, 27 or 29}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8266658\charrsid8266658 
\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3757511 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid3757511\charrsid3757511 FIU }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\insrsid3757511\charrsid3757511 means the Financial Intelligence Unit }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid15477945 in accordance with}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid3757511\charrsid3757511  section 6}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\insrsid2171871  of the Financial Intelligence Unit Act 2015}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid3757511\charrsid3757511 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3757511 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\insrsid3757511 financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511  has the same meaning as in the Financial Intelligence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15559537 Unit Act 2015}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15818802 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid16195044 financial transaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16195044 has the meaning given in section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15955665  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 6}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16195044 
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15818802 Financial Action Task Force}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15477945  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid15477945 or }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15477945 FATF}{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid15818802  means the international body of that name established by the G7 summit held in Paris in 1989}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511  
\par }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid3757511\charrsid3757511 FSC }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid3757511\charrsid3757511 
means the Financial Supervisory Commission established under section 3 of the Financial Supervisory Commission Act 2003}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid3757511 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10427388 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid10427388 g}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid10427388\charrsid356278 roup
}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid10427388  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid10427388 or }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid10427388\charrsid356278 financial services group}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\insrsid10427388\charrsid4070280  means}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \insrsid10427388  a group of 2 or more legal 
persons that consist of a parent company or other type of legal person which exercises control and coordinating functions over the rest of the group (including branches and subsidiaries) for the application}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\insrsid2906366  of group policies and controls}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10427388\charrsid4070280 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3757511 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3757511 hard copy format}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511 
 has the same meaning as in the Digital Registers Act 2011
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3757511 Head}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511  means the Head of the FIU appointed under section 8 of the Financial Intelligence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15559537 Unit Act 2015}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3757511  
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8660011 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid8522441\charrsid12396256 isolated transaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8522441\charrsid12396256 means a transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10173886\charrsid12396256  of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431\charrsid12396256 the threshold amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10173886\charrsid12396256  or more (or its equivalent value in other currency, including foreign)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8522441\charrsid12396256  that takes place outside an ongoing business relationship}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8522441 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395\charrsid8660011 lawyer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid8660011  means any barrister}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15955665  or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4619132  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2906366 solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448  or attorney}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14888087 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14888087 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\cf1\insrsid14888087\charrsid4594788 legal arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\insrsid14888087\charrsid14888087  means \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8127229 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls32\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8127229 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4619132  trust:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14888087\charrsid14888087 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14888087\charrsid14888087 \hich\af0\dbch\af0\loch\f0 (b)\tab}any other arrangement that has a similar legal effect (such as a fiducie, }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15955665 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 reuhand or fideicomiso)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14888087 
\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12321763 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid12321763 legal person }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12321763 means any ent}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13714998 ity }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12321763 not being a natural person or a legal arrangement, that can establish a customer relationship with a financial instit}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15477945 ution or otherwise own property}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6112441  and for the avoidance of doubt includes a foundation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12321763\charrsid12321763 
\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11021853 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5726063 licens}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid13990608 
ed financial institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13990608  has the same meaning as in Financial }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291674 Supervisory Commission Act 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13990608 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2579584 List A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607  means the list published}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2579584  by the FIU specifying jur
isdictions which the FATF (or a FATF style regional body) has made a call on its members and other jurisdictions to apply countermeasures to protect the international financial system from the ongoing and substantial risks of money laundering and financin
g of terrorism emanating from the jurisdiction
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2579584 List B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607  means the list published}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2579584  by the FIU specifying jurisdiction}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12268520 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2579584  with strategic money laundering and financing of terrorism deficiencies or those considered to pose a higher risk of money laundering and financing of terrorism}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2579584\charrsid2579584 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid3742395 Minister}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  means the Minister of Finance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5927157 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7279196 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5530731 Money laundering reporting officer }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5530731\charrsid5530731 or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5530731  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7279196\charrsid7350692 M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7279196 LRO}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196 
 means }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5530731 the natural person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196  appointed under section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15955665  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 13}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5452475 to administer and maintain a reporting institutions compliance programme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8660011 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16195044 monitored transaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16195044 has the meaning given in section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 7}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16195044 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid12452919 monitor }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 means a person who }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid2171871 has reporting obligations under this Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 and includes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls20\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 a reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15539342 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 
the supervisory body of a reporting institution:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15539342 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 the auditor of a reporting institution}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12992906 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12992906 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12992906 the MLRO of a reporting institution}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9585325\charrsid9585325  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9777660\charrsid9777660 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9585325 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid9585325 ongoing business relationship }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9585325 means a relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5530731  between 2 or more parties}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9585325 
 in which\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9585325 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls34\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9585325 1 party is a reporting institution; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15484463\charrsid4619132 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463\charrsid4619132 
the parties have an arrangement where the purpose of that arrangement is to facilitate the carrying on of business on a frequent, habitual}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463\charrsid4619132 
 or regular basis}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4619132\charrsid4619132 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\insrsid467762 o}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid3742395 versight }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid15477945 A}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid3742395 ct }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid397832 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15477945 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls13\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15477945 means\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14291674 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid397832 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14291674 this Act;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4619132 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Mutual Assistance in Criminal Matters Act 2003
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291674 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4786136 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4619132 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid4619132 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4619132 Proceed of Crimes Act 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 ;
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4786136 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4786136 Financial Intelligence Unit Act 2015}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291674 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4786136 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2955088 \hich\af0\dbch\af0\loch\f0 (v)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088 Terrorism Suppression Act 2004}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14291674 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (vi)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid397832 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Currency Declaration Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 2015-}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395\charrsid12396256 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14103940\charrsid12396256 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8660011  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid397832 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 includes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid397832  any of the following made under an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8141214 oversight act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid397832 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid397832 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 regulation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15477945 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid397832 :
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 order}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15477945 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid397832 :
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 delegated legislation}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15477945 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid397832 :
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid397832 \hich\af0\dbch\af0\loch\f0 (iv)\tab}other legislative}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  instruments
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\cf1\insrsid3742395 person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid3742395  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8660011 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid397832 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls14\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 a natural person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid397832 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4619132 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657 legal person}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid397832 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
a body of persons, whether corporate or unincorporated}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid3742395\charrsid4619132 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\cf1\insrsid3742395 person of interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid3742395  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8660011 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 a person who has been convicted }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 of financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251  or a person whom a reporting institution has reasonable grounds to suspec
t has committed financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4786136 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid3742395\charrsid2955088 physical presence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid2955088 means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4786136\charrsid2955088  where a reporting institution has staff}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395\charrsid2955088  based in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657\charrsid2955088 Cook Islands}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid2955088  who operate at a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4786136\charrsid2955088  management}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid2955088  level }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251\charrsid2955088 to be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid2955088 
 able to make meaningful decisions in respect of the functions and activities of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088  reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7815657\charrsid2955088 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 politically exposed person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5323101  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5323101 or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5323101 PEP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251 means }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2171871 
a person, whether r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 esident in the Cook Islands or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2171871 elsewhere, who falls into 1 or more of the following categories}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 
\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs73\lang5129\langfe5129\langnp5129\langfenp5129\insrsid14035783 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs73\insrsid14035783 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid397832  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid397832 natural person who}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid13456167  is or, has in the previous 12 months }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid397832 been entrusted with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid11409251 , or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid397832  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs73\insrsid11409251\charrsid397832 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid11409251  in a position which has,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid11409251\charrsid397832  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid397832 
prominent public functions, including}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid397832 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid397832 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 a head of state}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2171871 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  head of government, minister}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
 or deputy or assistant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463  or associate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553  minister:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ii)\tab}a senior gove}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 rnment official}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14440779  who is the administrative head of a government or quasi government agency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14315553 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 a member of parliament:}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14315553 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 a senior politician:}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (v)\tab}an imp}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 ortant political party official:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14315553 \hich\af0\dbch\af0\loch\f0 (vi)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 a senior judicial official:}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (vii)\tab}a member of a court of auditors}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 
 or the board of a central bank:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (viii)\tab}an ambassador, charg\'e9 d\rquote affaires or other high}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11409251 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 ranking officer }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 in a diplomatic service:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ix)\tab} a high ra}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 nking officer in an armed force:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (x)\tab}a senior }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14440779 executive}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395  of a state}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 owned enterprise:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14315553 \hich\af0\dbch\af0\loch\f0 (xi)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 an honorary consul:}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid397832 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 any of the following family members of a person mentioned in sub}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 paragraph (a)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251 \emdash }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15484463 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14035783 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15484463 a spouse o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5602578 r partner considered by the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463  law}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5602578  in which the person resides}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15484463  as equivalent to a spouse}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15484463 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463 
a child, or spouse or partner of a child (includin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 g a feeding or fostered child)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14315553  sibling:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14315553 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 a parent:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15484463 \hich\af0\dbch\af0\loch\f0 (v)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463 a grandchild}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14440779 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15484463 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10045403 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14035783 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10045403 having regard}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4457690  to information that is public or readily available, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 any close associate of a person mentioned in sub}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11409251 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 paragraph}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 (a), }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4457690 who is}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9242223  a natural person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13990608  and is one or more of following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11409251 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14035783 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 known to have joint beneficial ownership of a legal entity or legal arrangement, or any other close }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4140549 ongoing business relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 s, with }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553  person:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid7815657 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
who has sole beneficial ownership of a legal entity or legal arrangement known to have been set up for the benefit of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 that  per}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553 son:}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9242223 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9242223 \hich\af0\dbch\af0\loch\f0 (iii)\tab}k}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657\charrsid7815657 
nown to be beneficiary of a legal arrangement of which }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657\charrsid7815657  person is a beneficial owner or beneficiary}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14315553 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid15403395 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  known to be in a position to c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8781900 arry out}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  substantial }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 financial}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13186299  transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  on behalf of }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4273928 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14315553  person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15403395 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15403395 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15403395 in the case of a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15403395 domestic politically exposed person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 \emdash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6707168 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15403395 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid6707168 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15403395 a person in (a) who is or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid15692674 has in the previous 12 months been entrusted }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395 with prominent public functions in the Cook Islands}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid6707168 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395  and any family members or close associates of that person in (b) or (c), regardless of the location of those fam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6707168 ily members o
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7737593 r close associates; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6707168 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6707168 
a member of senior management of an international entity or organisation regardless of their location and any family members or close associates of that person: and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15403395 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15403395 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15403395 in the case of a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15403395 foreign politically exposed person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395  means a person in (a) who is or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid15692674 
has in the previous 12 months }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid15692674\charrsid397832 been entrusted with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674\delrsid15692674  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395 pr}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13456167 ominent public functions in a foreign country }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15403395 and any family members or close associates of th
at person in (b) or (c), regardless of the location of those family members or close associates
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid3742395 prescribed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  means prescribed by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607 regulations by or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853  under this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 property}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736396  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 assets of every kind, whether corporeal or incorporeal, moveable or immoveable, tangible or intangible; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}legal documents or instruments in any form, including }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15736396 digital format and hard copy format}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 , evide}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 ncing title to, or interest in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
assets, including but not limited to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14035783 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 bank securities}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 travellers cheques}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 bank cheques}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 money orders}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (v)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 shares}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (vi)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 securities}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (vii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 bonds}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (viii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 drafts}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14035783 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14035783 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (ix)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid12321763 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 letters of credit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12321763 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8932607 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid8932607\charrsid2955088 published}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607\charrsid2955088 , in relation to anything to be published by the Head or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14291674  the}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8932607\charrsid2955088  FIU by or under this Act means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7495174  published and maintained o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088 n the public website of the FSC}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8932607\charrsid8932607 
\par }\pard\plain \ltrpar\s42\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12321763 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\insrsid12321763\charrsid12321763 recognised stock exchange}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13456167  means a stock exchange on the recognised stock exchange list }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607 published}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759  by the Head from time to time}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12321763\charrsid18690 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid16195044 reporting institution }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16195044 h}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 as the meaning given in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16195044 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4664885 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14966958\charrsid4619132 senior management}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14966958\charrsid2955088 , in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542\charrsid2955088 relation to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4664885\charrsid2955088  a reporting institution means the directors, or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9781231\charrsid2955088  key employees who are appointed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4664885\charrsid2955088  to ensure that the reporting institution is effectively controlled on a day to day basis and who have}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9781231\charrsid2955088  responsibility for overseeing the reporting institution\rquote s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9781231  proper conduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14966958 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9585325 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9585325 serious offence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9585325  means\emdash 

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9585325 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls18\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9585325 an offence against the law of the Cook Islands that is punishable by imprisonment for 12 months or more or the imposition of a fine of more than $5,000; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9585325 \hich\af0\dbch\af0\loch\f0 (b)\tab}an offence against the law of another country that, had the acts or 
omissions constituting that offence occurred in the Cook Islands, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9585325\charrsid13658372 they}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9585325 
 would have constituted an offence against the law of the Cook Islands of the sort referred to in paragraph (a)
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid3742395\charrsid14035783 service}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  includes facility or arrangement
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395\charrsid2955088 shell bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid2955088 means a bank that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid1003982\charrsid2955088 \emdash }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid2955088 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs73\lang5129\langfe5129\langnp5129\langfenp5129\insrsid4273928\charrsid2955088 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls19\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs73\insrsid4273928\charrsid2955088 is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid2955088 incorporated}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3548664\charrsid2955088  or licensed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs73\insrsid3742395\charrsid2955088  in a country in which it has no physical presence; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs73\lang5129\langfe5129\langnp5129\langfenp5129\insrsid4273928\charrsid2955088 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid4273928\charrsid2955088 is }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs73\insrsid3742395\charrsid2955088 not affiliated with a financial services group that is subject to effective consolidated supervision}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395\charrsid2955088 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2254501 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid14035783 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16195044 pecified activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16195044\charrsid16195044  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13990608 means}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3347983  an activity that is prescribed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5963978 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6971251\charrsid10712558 specified entity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6971251  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12990932 
 an entity or person listed under sections }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12990932\charrsid12285346 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12990932  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12990932\charrsid12285346 6}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12990932  of the Terrorism Suppression Act 2004}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid8999063 subsidiary }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999063 means, in relation to a reporting institution, a legal person more than half of whose equity share capital is own}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 ed by the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999063\charrsid8999063 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid16195044 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 upervisory }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14035783 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 ody}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395  means any institution or authority established in the Cook Islands to regulate or supervise any }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  or more reporting institutions 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2578233 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2578233\charrsid5732986 suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233  means any}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12151776  activity or information}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233  that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls28\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 relates to 1 or more of the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9001622 n intended }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 transaction:
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9001622 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9001622 a transaction, whether or not complete:
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13324679 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13324679 an ongoing}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4140549  business relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid11021853 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 is something that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13205339  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 cause}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853  the}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4273928  monitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233  to\emdash   
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid11021853 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 know or suspect that financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13205339  or a serious offence is intended or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9001622  ha}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10045403 s occurred}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 ; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12151776 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12151776 have reasonable grounds}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13719689  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid862955  suspect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4204840  that financial misconduct or a serious offence is intended or has occurred
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 
\par }\pard \ltrpar\s42\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9528276 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9528276\charrsid9528276 suspicious activity report}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9528276  means a report made under sections }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346\charrsid12285346 47, 48}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10712558\charrsid12285346  or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 49}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9528276\charrsid9528276 
\par }\pard \ltrpar\s42\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11021853 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid4673230\charrsid11021853 threshold amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11213421\charrsid11213421  mean}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2706040 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853  }{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid11213421\charrsid11213421 $10,000 New Zealand dollars}{\rtlch\fcs1 \ai0\af0 
\ltrch\fcs0 \insrsid13205339  or equivalent}{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid2906366  value}{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid13205339  in foreign currency}{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid2906366  or other currency}{\rtlch\fcs1 
\ai0\af0 \ltrch\fcs0 \insrsid9569761 , or}{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid14291674  such other }{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid9569761 amount as may be}{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid14291674  prescribed}{\rtlch\fcs1 
\ai0\af0 \ltrch\fcs0 \insrsid11021853 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6253966 ransaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6253966 means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6253966\charrsid11213421 \emdash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6253966 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8932607 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls33\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8932607 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8932607 a financial transaction, and includes an attempted }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 financial transaction:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6253966 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8932607 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6253966 a monitored transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607  and includes an}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652  attempted monitored transaction
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid6253966 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3742395 rust }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 means a trust}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6423093 , whatever its governing law or registration status,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3742395  that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15736396 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls27\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 has been settled}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6423093 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
the terms of which are reduced to writing by means of a trust deed, declaration of trust, or similar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10702770  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542 document}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10702770 

\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2578233 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \b\insrsid14647034\charrsid4594788 unusual}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \b\insrsid14647034\charrsid4594788 activity}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid14647034\charrsid14647034  means}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12483041 activity or information }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls29\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 relates to 1 or more of the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid7474170 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 a transaction:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid11021853 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13324679 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4140549 ongoing business relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 ; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4273928 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid11021853 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4273928 has 1 or more of the following characteristics\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2578233 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid11021853 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034 a transaction that has no apparent economic or lawful purpose}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2706040 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11021853 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4273928 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13719689  a transaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13719689\charrsid14647034 (or a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13719689 number of transactions) that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13719689 in rel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 ation to its stated purpose, is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034   

\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14647034\charrsid14647034 \hich\af0\dbch\af0\loch\f0 (A)\tab}}\pard\plain \ltrpar\s43\qj \fi-624\li2438\ri0\sa60\widctlpar
\jclisttab\tx1800\jclisttab\tx2438\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl4\adjustright\rin0\lin2438\itap0\pararsid4619132 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14647034\charrsid14647034 complex:
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13719689 \hich\af0\dbch\af0\loch\f0 (B)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13719689 large}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14647034\charrsid14647034 :
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14647034\charrsid14647034 \hich\af0\dbch\af0\loch\f0 (C)\tab}of an unusual pattern; }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2706040 or}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2578233 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid11739542 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2578233 is something}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034  that causes }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 a monitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14647034\charrsid14647034 
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14647034\charrsid14647034 \hich\af0\dbch\af0\loch\f0 (A)\tab}}\pard\plain \ltrpar\s43\qj \fi-624\li2438\ri0\sa60\widctlpar
\jclisttab\tx1800\jclisttab\tx2438\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl4\adjustright\rin0\lin2438\itap0\pararsid11739542 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14647034\charrsid14647034 to doubt the identity of a person }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4273928 the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034  is obl}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 iged to identify under this Act:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034 
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14647034\charrsid14647034 \hich\af0\dbch\af0\loch\f0 (B)\tab}to doubt the good faith of a person with whom the re}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4273928 porting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034  is dealing in the course of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13324679 an ongoing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4140549 
 business relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14647034\charrsid14647034  or a transaction 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15229949 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid591087 ultimate principal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid10702770  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15229949 has the meaning given in section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2706040  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12285346 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10702770 
\par }\pard \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid4527996\charrsid4594788 virtual currency }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4527996\charrsid7016299 means }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8536742 a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996\charrsid7016299 convertible currenc}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8536742 y that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2706040 has}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8536742  no physical form}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996  and includes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996\charrsid7016299 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls23\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4527996\charrsid7016299 crypto}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14110819 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996\charrsid7016299 currencies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996\charrsid7016299 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996\charrsid7016299 
similar concepts where the concept is accepted by persons as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759  1 or more of the following\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996\charrsid7016299 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4527996\charrsid7016299 a means of payment for goods or services}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 :
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996\charrsid7016299 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996\charrsid7016299 
a unit of account}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 :
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996\charrsid7016299 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996\charrsid7016299 
a store of value}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996 :
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4527996\charrsid7016299 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4527996\charrsid7016299 a commodity}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid7226012 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid7226012\charrsid3150367 virtual currency business}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7226012\charrsid3150367  means a business that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13460158\charrsid3150367 provides}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7226012\charrsid3150367  1 or more of the following services in the case of a virtual currency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950\charrsid3150367 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7226012\charrsid3150367 

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls25\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7226012\charrsid3150367 issuing:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (b)\tab}transmitting:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (c)\tab}transferring:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (d)\tab}providing safe custody:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (e)\tab}providing storage:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (f)\tab}administering:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (g)\tab}managing:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13460158\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (h)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13460158\charrsid3150367 lending:

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13460158\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (i)\tab}b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7226012\charrsid3150367 uying}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13460158\charrsid3150367 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (j)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7226012\charrsid3150367 selling}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13460158\charrsid3150367 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7226012\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (k)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7226012\charrsid3150367 exchang}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13460158\charrsid3150367 ing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13460158\charrsid3150367 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13460158\charrsid3150367 \hich\af0\dbch\af0\loch\f0 (l)\tab}trading in any other way}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448 

\par }\pard \ltrpar\s41\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4140063 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid4991448 working day }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448 
means any day other than Saturday, Sunday or a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3479058 p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448 ublic }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3479058 holiday as provided in the Public Holidays Act 1999}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7226012\charrsid3150367 
\par {\*\bkmkstart _Toc469311939}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 5\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Meaning of }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10777393 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 eporting }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10777393 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 nstitution{\*\bkmkend _Toc469311939}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6423093 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6423093 
Each of the following is a reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7368374 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7368374 
a licensed financial institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7368374 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
a person who, in the course of carrying on business, enters into transactions with or on behalf of customers in respect of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2834039 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  or more  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13990608 specified}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  activit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607 y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8932607 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8932607 any other person that may be prescribed.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\*\bkmkstart _Toc469311940}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 6\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid13773782 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 Meaning of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 financial}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3870562  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 transaction
{\*\bkmkend _Toc469311940}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3870562 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3870562 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3870562 
In any other case, a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 financial}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3870562  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10622471 transaction}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid3870562 is}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \insrsid13773782\charrsid3870562  entered into by a reporting institution }{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \insrsid9314150 
with or on behalf of a customer by wa}{\rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \insrsid4539759 y of 1 or more of the following\emdash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid9314150 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9314150 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s22\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid9314150 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid9314150 d}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150\charrsid13773782 eposit}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150 :}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9314150\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (b)\tab}withdrawal}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150 :}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9314150\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (c)\tab}exchange}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150 :}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150\charrsid13773782   
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9314150\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (d)\tab}transfer}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150 :}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9314150\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (e)\tab}payment or satisfaction of any obligation arising in law or in equity.}
{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9314150\charrsid9314150 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s22\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3742395 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 A financial transaction may be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14565438 
 in 1 or more of the following forms}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8932607 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ltrpar\s22\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3742395 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid8932607 c}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid9242223 urrency}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid8932607  of any form}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid14565438 :}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (b)\tab}cheque payment order or other financial instrument}{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \insrsid16195044 :}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (c)\tab}electronic or other non}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid16195044 -}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 physical means}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid16195044 :}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (d)\tab}barter or other non}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid16195044 
-}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 monetary exchange.}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782 
\par {\*\bkmkstart _Toc469311941}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3870562 \hich\af0\dbch\af0\loch\f0 7\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid3870562 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3870562 
Meaning of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1539721 monitored}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3870562  transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3870562\charrsid3870562 {\*\bkmkend _Toc469311941}
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s22\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3742395 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13773782\charrsid13773782 A }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1539721 monitored}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
 transaction is a transaction carried out in the course of the business or profession of a reporting institution that enables a person either to carry out }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 financial}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13186299  transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782  or to avoid the carrying out of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7033628 financial}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13186299  transactions}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542  and includes\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ltrpar\s22\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3742395 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 opening an account;}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11739542  and}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15289409 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid15289409 actively }{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \insrsid13773782\charrsid13773782 maintaining an account}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid14565438 ;}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11739542  and}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (c)\tab}making available }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\lang1033\langfe5129\langnp1033\insrsid13773782\charrsid13773782 a safety deposit box or any other }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang1033\langfe5129\langnp1033\insrsid14565438 similar }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\lang1033\langfe5129\langnp1033\insrsid13773782\charrsid13773782 form of  custody}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang1033\langfe5129\langnp1033\insrsid14565438  service or facility}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\lang1033\langfe5129\langnp1033\insrsid13773782\charrsid13773782 ;}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang1033\langfe5129\langnp1033\insrsid11739542  and}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang1033\langfe5129\langnp1033\insrsid13773782\charrsid13773782 

\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
entering into a }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid15559537 trust, nominee or similar }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 fiduciary relationship for the purposes of holding property}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid16195044 ;}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11739542  and}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (e)\tab}
creating any form of company, incorporated society or other legal person}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid14565438 ;}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11739542  and}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782\charrsid13773782 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13773782\charrsid13773782 \hich\af0\dbch\af0\loch\f0 (f)\tab}creating any form of trust}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid15559537 ;}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid16195044  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid11739542 and}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid10516078 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \ai\af0\afs20 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8932607 \hich\af0\dbch\af0\loch\f0 (g)\tab}}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid8932607 
any other activity that may be prescribed.}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid13773782 
\par {\*\bkmkstart _Toc469311942}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe5129\langfenp5129\insrsid9528276 \hich\af0\dbch\af0\loch\f0 8\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid9528276 M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid16282355 eaning of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15229949 ultimate }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid591087 principal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid14888087 {\*\bkmkend _Toc469311942} }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid6893711 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid11739542 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14838483 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid11739542 U}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid591087 ltimate principal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15229949  means }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3571551 1 or more}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10223708 
 natural person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3571551 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10223708  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521 who ultimately owns or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7896593 
 effectively }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521 controls the customer or on whose behalf a transaction or activity }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 is being conducted and includes}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid145625\charrsid10426521 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid145625\charrsid10426521 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10426521 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid145625\charrsid10426521 in the case of a legal person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9575171 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521  other than a company whose securities are listed on a recognised stock exchange, a
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12084713 ny}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521  natural person who ultimately owns or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7896593  effectively}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid145625\charrsid10426521  controls (whether through direct or indirect ownership or control, including through bearer share holdings) 25% or more of the shares or voting rights}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759  in the legal person:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid145625\charrsid10426521 \hich\af0\dbch\af0\loch\f0 (b)\tab}in the case of any legal person, a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12084713 ny}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521  natural person }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7896593 who otherwise exercises}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521 
 effective control over the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759  management of the legal person:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid145625\charrsid10426521 \hich\af0\dbch\af0\loch\f0 (c)\tab}in the case of a legal arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid145625  or similar type of arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521 , the trustee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid145625  or}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid145625  any natural}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7896593  person who exercises}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid10426521  effective control}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625\charrsid145625 
 over the legal arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12084713  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid12084713\charrsid4737394 including through a chain of control or ownershi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid12084713 p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14838483 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid145625 
\par {\*\bkmkstart _Toc469311943}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 9\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid201419 Application of this Act to reporting institutions{\*\bkmkend _Toc469311943}
\par }\pard\plain \ltrpar\s21\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid201419 This Act applies to a reporting institution only to the extent that\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8932607 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid201419 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8932607 reporting institution\rquote s }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 ongoing business relationships and transactions that it has with or behalf of a customer that relate to a specified activity; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (b)\tab}
reporting institution is carrying out activities that may give rise to a risk of financial misconduct.
\par {\*\bkmkstart _Toc469311944}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 10\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 
Act binds the Crown{\*\bkmkend _Toc469311944}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid201419 This Act binds the Crown.
\par }\pard\plain \ltrpar\s30\qc \li0\ri0\sb360\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3743295 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid3743295\charrsid3743295 {\*\bkmkstart _Toc469311945}Part}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid8797489  2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid3743295 {\*\bkmkend _Toc469311945}
\par }\pard\plain \ltrpar\s31\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9441624 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid9441624 {\*\bkmkstart _Toc469311946}Compliance and Risk Assessment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid9441624\charrsid9441624 {\*\bkmkend _Toc469311946}
\par }\pard\plain \ltrpar\s40\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9441624 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid9441624\charrsid10712558 {\*\bkmkstart _Toc469311947}Subpart 1 - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid2716257\charrsid10712558 Internal }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid12219874\charrsid10712558 Compliance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid2716257  Policies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 
, Procedures and Controls}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid3743295 {\*\bkmkend _Toc469311947}
\par {\*\bkmkstart _Toc469311948}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid13175082 \hich\af0\dbch\af0\loch\f0 11\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid13175082 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082 
Application of this subpart{\*\bkmkend _Toc469311948}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13175082 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid13175082 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13175082 This subpart does not apply to a natural person who, in the course of carrying on a specified activity, does not\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13175082 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid13175082 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13175082 employ another person, except in a secretarial or other capacity unrelated to the specified activity carried on by that person; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13175082 \hich\af0\dbch\af0\loch\f0 (b)\tab}act in association with any other person.
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid672287 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid672287\charrsid672287 
\par {\*\bkmkstart _Toc469311949}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe5129\langfenp5129\insrsid10311314 \hich\af0\dbch\af0\loch\f0 12\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15419693 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid10311314 General requirement for }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 internal compliance programme}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid15419693 {\*\bkmkend _Toc469311949}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langfenp5129\insrsid4793204 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid15942415 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid4793204 A reporting institution must establish, operate and maintain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415  adequate}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid4793204  internal proc}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 edures, policies and controls (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10427388 
known as a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe5129\langnp2057\insrsid15942415 compliance programme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 
), taking into consideration its risks related to financial misconduct and the size of its business, to assist with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415\charrsid15942415 d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid4793204\charrsid15942415 etect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 ing and preventing financial misconduct.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid4793204\charrsid15942415 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langfenp5129\insrsid7738325 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4793204 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid7738325 A reporting institution\rquote s compliance programme must}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang2057\langfe5129\langfenp5129\insrsid14157110 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15942415 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid14157110 meet all the requirements of this Act; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang2057\langfe5129\langfenp5129\insrsid15942415 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 
be communicated to its employees; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang2057\langfe5129\langfenp5129\insrsid7738325 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid7738325 
be approved by senior manageme}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid15942415 nt of the reporting institution.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid7738325 
\par {\*\bkmkstart _Toc469311950}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10554986\charrsid5007184 \hich\af0\dbch\af0\loch\f0 13\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid10554986 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986\charrsid5007184 Money Laundering Reporting Officer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986 {\*\bkmkend _Toc469311950}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langfenp5129\insrsid10311314 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10311314 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid10311314 A reporting institution must appoint a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid8932607  natural}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10311314 
 person as a Money Laundering Reporting Officer (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe5129\langnp2057\insrsid10311314\charrsid15474059 MLRO}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10311314 ) }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10311314\charrsid15474059 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10311314  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10311314\charrsid10311314 
administer and maintain its compliance programme.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4539759 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10554986 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 The MLRO must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986 \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10554986 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10554986 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10554986 be }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10311314 a member of senior management}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986  of the reporting institution or have }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8657338 appropriate work}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10311314  experience}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986  as may be prescribed; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10554986 \hich\af0\dbch\af0\loch\f0 (b)\tab}
have a right of direct access to the directors or the managing board (as the case may be) of the reporting institution; and  
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10554986 \hich\af0\dbch\af0\loch\f0 (c)\tab}have sufficient time }{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid10554986\charrsid12992906 
and resources to properly discharge the responsibilities of the position, to be effective in the exercise of }{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid10554986 the MLRO}{\rtlch\fcs1 \ai0\af0 \ltrch\fcs0 \insrsid10554986\charrsid12992906  functions.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986   
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10554986\charrsid11142939 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10554986 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10554986\charrsid11142939 A reporting institut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11142939\charrsid11142939 ion may appoint 1 or more}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986\charrsid11142939  deputy money laundering reporting officer}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11142939\charrsid11142939 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986\charrsid11142939  to exercise the functions of t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11142939\charrsid11142939 he MLRO in}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5726063  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11142939\charrsid11142939  MLRO\rquote s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110\charrsid11142939  absence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11142939\charrsid11142939 
 from work or to assist the MLRO in with their duties}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110\charrsid11142939 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986\charrsid11142939 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9906261 \hich\af0\dbch\af0\loch\f0 (4)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9906261 
Any person appointed under subsection (1) must be approved in writing by the Head.
\par {\*\bkmkstart _Toc469311951}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid14157110 \hich\af0\dbch\af0\loch\f0 14\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid14157110 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110 
Group policy{\*\bkmkend _Toc469311951}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14157110 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14157110 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14157110 This section applies to a reporting }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8277828 institution in which the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110  parent }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8277828 institution}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid10427388  of a group}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110  is incorporated in the Cook Islands.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14157110 \hich\af0\dbch\af0\loch\f0 (2)\tab}
A reporting institution must ensure that all the requirements of this Act extend to all of its branches and subsidiaries or measures are in place consistent with those requirement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 s}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14157110 , to the extent permitted by the laws of the jurisdiction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5007184 in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110 which a branch or subsidiary operate.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14157110 \hich\af0\dbch\af0\loch\f0 (3)\tab}
A reporting institution must inform the FIU when a branch or subsidiary is unable to meet any of the requirements of this Act or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063  is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110  unable to }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5726063 under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14157110 take any of the measures referred to in subsection (2) because it is prohibited by the laws of the jurisdiction in which it operates.
\par {\*\bkmkstart _Toc469311952}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid9441624 \hich\af0\dbch\af0\loch\f0 15\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid8999063 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624 T}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999063 esting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624  and assessing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999063  compliance{\*\bkmkend _Toc469311952}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8999063 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10426521 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8999063 A reporting institution must maintain appropriate procedures}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624  and adequate resources}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999063  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624 to, independ
ently and periodically, test and assess the effectiveness of the reporting institution\rquote s compliance programme and its\rquote  compliance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999063  with the requirements of this Act.
\par }\pard \ltrpar\s21\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15692674 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid672287 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674 Despite subsection (1) a reporting institution is not required to undertake its proced
ures under subsection (1) in any 12 month period}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14171080  (or such other period prescribed)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14171080 
subsequent to the date of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9131907 first}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14171080  day of an onsite compliance visit undertaken by the FIU unde}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 
r section 21 of the FIU Act 2015}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14171080 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7345949 
\par {\*\bkmkstart _Toc469311953}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid9441624 \hich\af0\dbch\af0\loch\f0 16\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid9441624 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624 
New staff appointments{\*\bkmkend _Toc469311953}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5136502 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9441624 A reporting institution must establish, maintain and operate appropriate procedur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889 es to enable the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624 
 to satisfy itself of the integrity of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 any}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 new director, officer and any employee}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5136502  whose role involves overseeing or conducting duties related to obligations under this Act.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5136502 
\par {\*\bkmkstart _Toc469311954}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid8789889 \hich\af0\dbch\af0\loch\f0 17\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid5136502 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889 
Training}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9441624 {\*\bkmkend _Toc469311954}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8277828 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid8789889 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8277828 
A reporting institution must take}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889  all appropriate steps to ensure that its employees and officers are regularly and appropriately trained on\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8789889 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8789889 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8789889 the risks of financial misconduct as they apply in the circumstances of that reporting institution; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8789889 \hich\af0\dbch\af0\loch\f0 (b)\tab}the reporting institution\rquote 
s compliance programme, including the requirements of this Act and in particular\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8789889 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid8789889 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8789889 how to recognise suspicious activity; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8789889 \hich\af0\dbch\af0\loch\f0 (ii)\tab}how to report that suspicious activity.
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8131272 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8789889 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8131272 new developments}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889 , methods and trends in financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889 
\par }\pard\plain \ltrpar\s40\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8789889 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4539759 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8789889 {\*\bkmkstart _Toc469311955}Subpart 2 \endash  Risk Assessment{\*\bkmkend _Toc469311955}
\par {\*\bkmkstart _Toc469311956}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10554986 \hich\af0\dbch\af0\loch\f0 18\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554986 R}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 isk assessment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16543129  of the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 {\*\bkmkend _Toc469311956}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 
A reporting institution must carry out a business risk assessment as soon as reasonably practicable}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542  but no later}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462063  than 3 months}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295  after}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid77817  the date on which}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295  the reporting institution commences business.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7365360 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16543129  business}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295  risk assessment must have regard to all relevant risk factors including}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls30\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295 the nature, scale and complexity of the rep}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 orting institution\rquote s activities:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid77817 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 the products and services provided by the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3212886 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 
the persons to whom and the way in which those produ}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 cts and services are provided:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 reliance on third parties for elements of the customer due diligence process; and  
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4090219 \hich\af0\dbch\af0\loch\f0 (e)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4090219 new }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11667477 technologies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 .  
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid340485 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid340485 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid340485 
The risk assessment must be\emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid340485 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid340485 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid340485 regularly reviewed and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4090219 kept up to date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid340485 ; and  
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid340485 \hich\af0\dbch\af0\loch\f0 (b)\tab}documented in a way that demonstrates its basis}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8277828 .
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid340485 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295\charrsid4594788 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid16543129 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid3743295\charrsid4594788 In}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295  this section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15926895  and in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 19}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295  a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3743295\charrsid4594788 business risk assessment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295  means an assessment }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid7681196 
that estimates the risk of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 financial misconduct on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid7681196 the part of the reporting institution\rquote s business and customers. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16543129 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 A reporting institution that breaches this section commits an
 offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid672287 
\par {\*\bkmkstart _Toc469311957}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid4090219 \hich\af0\dbch\af0\loch\f0 19\tab}}\pard \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid8797489 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4090219 R}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8797489 isk assessments by existing businesses
{\*\bkmkend _Toc469311957}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8797489 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid8797489 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8797489 
This section applies to a reporting institution that i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462063 s carrying on business }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11739542 on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 the commencement of this Act}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15419693 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8797489 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8797489 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid77817 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8797489 A reporting institution must carry out a business risk assessment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15419693  in accordance with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15419693\charrsid11667477 section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 18}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8797489  within }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11739542 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8797489  calendar months of the date this Act comes into force.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .
\par {\*\bkmkstart _Toc469311958}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 20\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid3547391 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391\charrsid12990932 New technologies{\*\bkmkend _Toc469311958}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3547391 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3547391\charrsid12990932 A reporting institution must identify and assess the risk of financia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 l misconduct before}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391\charrsid12990932 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3547391 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3547391\charrsid12990932 implementing new\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid3547391 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3547391\charrsid12990932 products:
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (ii)\tab}business practices:
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid12990932 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391\charrsid12990932 delivery methods}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12990932  or systems:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391\charrsid12990932 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3547391 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3547391\charrsid12990932 using developing technologies for both new and pre-existing products and services.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3547391 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3547391\charrsid12990932 A reporting institution must take appropriate measures to manage and mitigate the risks identified.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3547391\charrsid12990932 \hich\af0\dbch\af0\loch\f0 (3)\tab}A reporting institution that breaches this section commits an off
ence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391\charrsid12990932 .
\par {\*\bkmkstart _Toc469311959}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295\charrsid12990932 \hich\af0\dbch\af0\loch\f0 21\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid12990932 C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid3743295\charrsid12990932 ustomer risk assessment{\*\bkmkend _Toc469311959} }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid12990932  
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295\charrsid16543129 A reporting institution must }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391 identify and assess}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129  a customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391 
\rquote s level of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129  risk }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391 of financial misconduct (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3547391 customer risk }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid3547391\charrsid3547391 assessment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3547391 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048349\charrsid16543129 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10048349 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295\charrsid16543129 before}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048349\charrsid16543129  or as soon as reasonably practicable after the establishment of an ongoing business relationship; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295\charrsid16543129 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5726063 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 before }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129 carrying out an }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8522441\charrsid16543129 isolated}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129  tra}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8522441\charrsid16543129 nsaction }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10048349\charrsid16543129 for a customer who has not otherwise established an ongoing business relationship wi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4737394 th the reporting institution; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10048349\charrsid16543129  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10048349\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048349\charrsid16543129 
on a regular basis after a reporting institution establishes an ongoing business relationship to ensure the customer\rquote s risk profile is up to date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048349 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15692674 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674 
for existing customers, as soon as reasonably practicable but no longer than 12 months from the date of the commencement of this Act.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15692674\charrsid16543129 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10048349 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295\charrsid16543129 A customer risk assessment must be documented }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14821900\charrsid16543129 in a way that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129 demonstrate}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14821900\charrsid16543129 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10048349\charrsid16543129  its basis. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14821900\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4594788 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14821900\charrsid16543129 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129 
 customer risk assessment must have regard to all relevant risk fact}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 ors, including}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3743295\charrsid16543129 \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3743295\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid16543129 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295\charrsid16543129 the nature, scale, complexit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16543129\charrsid16543129 y and location of the customer and the customer\rquote s activities; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3743295\charrsid16543129 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7156540 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7156540 
the manner in which the reporting institution deals with the customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16543129\charrsid16543129 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627\charrsid16543129 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7867627\charrsid16543129 A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7867627\charrsid16543129 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid672287 
\par {\*\bkmkstart _Toc469311960}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid16062789 \hich\af0\dbch\af0\loch\f0 22\tab}}\pard \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid16062789 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16062789 Exemption to requirements of this Part{\*\bkmkend _Toc469311960}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8131272 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid8131272 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8131272 
The Head, in agreement with the FSC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13325397 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8131272  ma}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082 y exempt a reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8131272  from the requirements of this Part where\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13175082 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid13175082 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13175082 The reporting institution is not a licensed financial institution; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8131272 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8131272 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8131272 The reporting institution has requested an exemption from a requirement under this Part; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8131272 \hich\af0\dbch\af0\loch\f0 (c)\tab}The reporting institution has documented the basis on which it cannot meet the requirement}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082  from which it seeks exemption; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8131272 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13175082 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082 The Head is satisfied}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5726063  that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082  the reporting institution has a low level }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9925561 of risk of financial misconduct.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13175082 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9925561 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid9925561 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9925561 
An exemption may only be granted for a maximum period of 3 years but may be renewed in accordance with subsection (1).
\par }\pard\plain \ltrpar\s30\qc \li0\ri0\sb360\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6893711 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid6893711 {\*\bkmkstart _Toc469311961}Part}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid10777393  3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid6893711\charrsid6893711 {\*\bkmkend _Toc469311961}
\par }\pard\plain \ltrpar\s31\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8408806 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid7436461 {\*\bkmkstart _Toc469311962}Customer D}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1998081 u}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7436461 e Diligence and Record Keeping}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8408806 
{\*\bkmkend _Toc469311962}
\par {\*\bkmkstart _Toc469311963}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid91938 \hich\af0\dbch\af0\loch\f0 23\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 
Reliance on risk assessment when establishing level of risk{\*\bkmkend _Toc469311963}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid91938 When establishing the level of risk involved for the purposes of this Part, a report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11667477 ing institution must rely on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938  its risk assessment}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041 s under Part 2 of this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 .
\par {\*\bkmkstart _Toc469311964}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid16068008 \hich\af0\dbch\af0\loch\f0 24\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid16068008 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16068008 
Basis for verification{\*\bkmkend _Toc469311964}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid16068008 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16068008 Verification of identity or information must be done on\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16068008 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid16068008 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16068008 the basis of documents, data, or information issued by a reliable and independent source; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16068008 \hich\af0\dbch\af0\loch\f0 (b)\tab}
any other basis applying to a specified situation, customer, product or service, ongoing business relationship or isolated transaction as may be prescribed.
\par }\pard\plain \ltrpar\s40\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10511266 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4539759 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 {\*\bkmkstart _Toc469311965}Subpart 1 - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7436461 Customer Due Diligence{\*\bkmkend _Toc469311965}
\par {\*\bkmkstart _Toc469311966}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 25\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid8408806 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 
Standard customer due diligence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8408806 {\*\bkmkend _Toc469311966}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1723095\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7474170 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1723095\charrsid11667477 A reporting }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477\charrsid11667477 institution must establish, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 maintain}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid463477\charrsid11667477  and operate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477  procedures to ensure it }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477\charrsid11667477 conducts customer due diligence }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12921418\charrsid11667477 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13501711\charrsid11667477 ef}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8408806\charrsid11667477 ore entering into}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13501711\charrsid11667477  an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5901025\charrsid11667477  ongoing business relationship or an isolated }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11410370\charrsid11667477 tr}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8408806\charrsid11667477 ansaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10045403\charrsid11667477  with or on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11875462\charrsid11667477  behalf of a customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13501711\charrsid11667477 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477\charrsid11667477 on the following\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid671999\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid1723095 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid671999\charrsid11667477 a customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1723095\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (b)\tab}a person acting on behalf of a customer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8408806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3756592\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4731815 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3756592\charrsid11667477 The procedures r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13832264\charrsid11667477 eferred to in subsection (1) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4731815\charrsid11667477 must ensure that the reporting institution}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14905650\charrsid11667477 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4731815\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7623364\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14905650 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7623364\charrsid11667477 obtain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10693593\charrsid11667477 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14905650\charrsid11667477  identification information on the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1723095\charrsid11667477 persons referred to in subsection (1)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14905650\charrsid11667477 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7623364\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7623364\charrsid11667477 verifies}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14905650\charrsid11667477  that identification information using reliable independent source documents; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14368253\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14368253 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14368253\charrsid11667477 obtains information on the nature and intended purpose of the ongoing bus
iness relationship or isolated transaction; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14368253\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid275718 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14368253\charrsid11667477 where a customer is not a natural person, the reporting institution must\emdash 

\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10102376 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14368253 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10102376 identify and verify any ultimate principal of the customer; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6957336\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6957336\charrsid11667477 verify}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14905650\charrsid11667477  the legal status }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid275718\charrsid11667477 of the customer, using relevant information obtained from a reliable independent source, }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3571551\charrsid11667477 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14313044\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14368253\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid275718 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14368253\charrsid11667477 obtain sufficient}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid275718\charrsid11667477 
 information}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14368253\charrsid11667477  to understand}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid275718\charrsid11667477  the nature of the customer\rquote s business and its ownership and control structure}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13452066\charrsid11667477 ; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid275718\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5726063 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 obtain }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13452066\charrsid11667477 information concerning the person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7623364\charrsid11667477 (s)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13452066\charrsid11667477  by whom, and the method by which}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3756931 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13452066\charrsid11667477  binding obligations may be imposed on the customer; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid671999\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10712558 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid671999\charrsid11667477 where a person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3571551\charrsid11667477  is acting on behalf of a customer, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10712558\charrsid11667477 the reporting institution must }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3571551\charrsid11667477 verify the authorisation of that person t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10712558\charrsid11667477 o act on behalf of the customer; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3571551\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10712558\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (f)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10712558\charrsid11667477 
takes reasonable measures to establish source of funds; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10712558\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (g)\tab}take}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7816044 s}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10712558\charrsid11667477  reasonable measures to determine whether a person referred to in subsection (1) is a specified entity.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3571551\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3571551 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3571551\charrsid11667477 The types, kinds or categories of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid11667477  identity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3571551\charrsid11667477  information to be obtained or verifi
ed under subsection (2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid11667477  and any additional due diligence requirements}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3571551\charrsid11667477  may be prescribed.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7345375 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627\charrsid414301 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7867627 
\par {\*\bkmkstart _Toc469311967}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid5462999 \hich\af0\dbch\af0\loch\f0 26\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid14171010 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462999 
Requirements for when due diligence cannot be undertaken}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14171010 {\*\bkmkend _Toc469311967}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9131907 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid5462999 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9131907 
T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462999\charrsid11667477 he procedures of the reporting institution must operate on the basis that if customer due diligence cannot be undertaken in accordance with this subpart}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9131907  and unless otherwise directed by a competent authority}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462999\charrsid11667477 , the reporting institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9131907 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5462999\charrsid11667477 \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5462999\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5462999 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5462999\charrsid11667477 terminate the ongoing business relationship or isolated transaction; and  
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13436905 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905 consider whether to submit}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5462999\charrsid11667477  a suspicious activity report under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462999 47}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5462999\charrsid11667477 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13436905 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10426521 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13436905 Despite subsection (1) if }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905\charrsid11667477 the reporting institution reasonably believes that undertaking customer due di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905 ligence}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid4544762  in accordance with this subpart}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  or terminating the ongoing business relationship or isolated transaction may tip off that customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10426521  it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4544762 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  within 24 hours submit a suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10426521 
activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679  in accordance with section 47}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905 .
\par {\*\bkmkstart _Toc469311968}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid4025639 \hich\af0\dbch\af0\loch\f0 27\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid4025639 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4025639 
Simplified}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419  customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4025639  due diligence{\*\bkmkend _Toc469311968}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4025639 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4025639 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4025639 
Subject to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 the requirements of this section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 a reporting institution may establish and operate procedures to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6183572 
 conduct simplified customer due diligence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid671999 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid463477 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid671999 a customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095 , or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid463477 \hich\af0\dbch\af0\loch\f0 (b)\tab}a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095  person acting on behalf of a customer}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4025639 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid463477 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid463477 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 
The procedures referred to in subsection (1) must ensure that the reporting institution\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid463477 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid671999 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid463477 cannot undertaken simplified customer due diligence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 if}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 \emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid671999 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid463477 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid671999 1 or more of the circumstances referred to in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 29}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1074942  are present; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1074942 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1074942 the customer is a legal arrangement or }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 similar arrangement for holding personal assets}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1074942 ; or
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1074942 \hich\af0\dbch\af0\loch\f0 (iii)\tab}the customer is a company with nominee shareholders or has shares in bearer form; or
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid671999 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 in any other circumstances that may be pres}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 cribed; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid463477\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid463477 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid463477\charrsid11667477 is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6183572\charrsid11667477  satisfied that the level of risk associated with the person or persons referred to in subsection (1)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16529298 
 is low; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6183572 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16529298 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid16529298 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16529298 obtains}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16529298\charrsid11667477 
 information on the nature and intended purpose of the ongoing business relationship or isolated transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16529298 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16529298\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14106567\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6183572 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14106567\charrsid11667477 The assessment of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12529783\charrsid11667477 the low level of risk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477\charrsid11667477  referred to in subsection (2)}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12529783\charrsid11667477  must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12529783\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid1723095 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12529783\charrsid11667477 be supported by an adequate analysis of the risks by the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1723095\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (b)\tab}document the details of its risk assessment.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14106567\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12529783\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12529783 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12529783\charrsid11667477 A reporting institution may undertake simplified customer due diligence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid11667477  on a legal person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12529783\charrsid11667477  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid2125979\charrsid11667477 whose securities are listed on a recognised stock exchange or any other person that may be prescribed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe5129\langnp2057\insrsid3678959\charrsid11667477 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12529783\charrsid160997 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3678959\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (5)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3678959\charrsid11667477 
The types, kinds or categories of identity information to be obtained under subsection (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid671999\charrsid11667477 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3678959\charrsid11667477 ) may be prescribed}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid1723095\charrsid11667477 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3678959 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid11667477 \hich\af0\dbch\af0\loch\f0 (6)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid11667477 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11667477 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11667477 
\par {\*\bkmkstart _Toc469311969}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041\charrsid870202 \hich\af0\dbch\af0\loch\f0 28\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid4000041 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041\charrsid870202 Delay in verification of identity{\*\bkmkend _Toc469311969}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4000041 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041 
This section applies to an ongoing business relationship.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (2)\tab}Despite section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346\charrsid12285346 25}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid4000041\charrsid12285346 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14424567  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761 if a reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041  considers it is essential in
 the circumstances to enter into a transaction so that the normal course of business is not interrupted, verification of identity may be completed after the ongoing business relation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 ship}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4000041  has been established if \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4000041 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4000041 the risks of financial misconduct }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041\charrsid11667477 are effectively managed through procedures of transaction limitations and account monitoring}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041 
; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (b)\tab}the reporting institution has not identified any suspicious activity; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (c)\tab}a member of senior management of the reporting institution approves\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid4000041 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4000041 that delay in verifying the identity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041  and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (ii)\tab}any su}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11667477 bsequent activity until section }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 25}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041  has been complied with; and 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4000041 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4000041 verification of identity is completed as soon as is possible once the business relationship has been established.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4000041 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4000041 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041 .
\par {\*\bkmkstart _Toc469311970}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 29\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 
Enhanced customer due diligence{\*\bkmkend _Toc469311970}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 A}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid12000397  reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063  must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid12000397  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 
establish, maintain and operate procedures to ensure}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419  enhanced customer due diligence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid463477 is conducted}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid201419  in 1 or more of the following circumstances}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4539759 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid12000397 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid201419 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid201419 if the ongoing business relationship or isolated transaction is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid6893711  with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419  a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid6893711 
 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095 customer, or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 person acting on behalf of a customer\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid201419 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid201419 from or in a jurisdiction on List A; or 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (ii)\tab}from or in a jurisdiction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid6893711  that}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419  is known to have}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid6893711  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid6893711 
adequate systems in place to prevent}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419  or deter financial misconduct as determined by the reporting institution itself or on List B as notified generally by the Head; or
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (iii)\tab}who has been identified by the reporting institution as a person of interest:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid201419 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid201419 if a customer seeks to conduct 1 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid13120347 or more transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419  that the reporting institution identifies as unusual activity}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid1723095 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid13120347 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 
if the ongoing business relationship or isolated transaction involves a foreign PEP, or a domestic PEP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5726063 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419 
 who has been identified as posing a higher risk of financial misconduct:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (d)\tab}
if the reporting institution considers that the level of risk involved is such that enhanced due diligence should be applied:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419 \hich\af0\dbch\af0\loch\f0 (e)\tab}in any other circumstances that may be prescribed.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9723219 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9723219 
Unless section 26 applies, i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid11667477 f a repo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10426521 rting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309\charrsid11667477  suspect}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9723219 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid11667477  that either an ongoing business relationship or a transaction is in any way connected with financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4539759  or a serious offence, it must\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid201419 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid201419\charrsid11667477 examine, as far as reasonably practical, the background and purpose of the ongoing business relationship or transaction; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1723095\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid1723095 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 consider whether to make a suspicious activity report under section }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12285346 47.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1723095\charrsid11667477 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1723095\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid201419 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1723095\charrsid11667477 The types, kinds or categories of information to be obtained or verified under subsection (1) may be prescribed.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid201419\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (4)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid11667477 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid201419\charrsid11667477 .}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid201419 
\par {\*\bkmkstart _Toc469311971}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid9466652 \hich\af0\dbch\af0\loch\f0 30\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid9466652 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9466652 
Customer due diligence in suspicious circumstances{\*\bkmkend _Toc469311971}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15083735 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13436905 Unless section 26}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679 (2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  applies and d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15083735 
espite any exemption or threshold for transactions provided under this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15083735 if a reporting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4657337  institution}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15083735  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9466652 has reasonable grounds to suspect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  a prospective customer or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15083735 a}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  proposed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679  isolated}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  transaction is connected with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9466652 
 financial misconduct or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15083735  a serious offence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13436905  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679 it must\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15083735 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3880679 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15083735 undertake customer due dilig}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 ence in accordance with section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15083735  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 25 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13436905 and section 29}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679 ; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9466652 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3880679 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679 submit}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3880679\charrsid11667477  a suspicious activity report under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679 47.
\par {\*\bkmkstart _Toc469311972}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6893711\charrsid12402301 \hich\af0\dbch\af0\loch\f0 31\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid11616999 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711\charrsid12402301 Politically exposed persons{\*\bkmkend _Toc469311972} 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6893711\charrsid6893711 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid11616999 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6893711\charrsid6893711 A reporting institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101  maintain procedures and controls}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2890629  to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13139759 determine}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711\charrsid6893711  whether any of the following is a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101 PEP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6893711\charrsid6893711  
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6893711\charrsid6893711 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid11616999 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6893711\charrsid6893711 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101  customer:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5404575 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid11616999 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11616999 a natural person who has power to }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711\charrsid6893711 direct the activities of a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14431730 customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2434632 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2434632 where a life insurance policy is to be paid
 out, the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088  beneficiary of a life insurance policy (or a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid870202 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088  ultimate principal of a beneficiary).
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9730996 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid2890629 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9730996 
A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101  reporting institution must maintain procedures and controls that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11365153 require}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3698965  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5058676 one or more}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3698965  member}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5058676 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3698965  of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11365153  senior management to}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101  approve}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7211130  any of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1273465  the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11763383 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5323101 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5323101 establishing an ongoing business relationship with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  any foreign PEP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4657337  or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5323101  a domestic PEP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101 who has been identified as posing a higher risk of financial misconduct:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11365153 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5323101 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5323101 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101 undertaking an isolated transaction with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 
 any foreign PEP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4657337  or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5323101  a domestic PEP who has been identified as posing a higher risk of financial misconduct:

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5074444 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5074444 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444 continuing }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8409150 an ongoing business relationship }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4657337  any foreign PEP, or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444  a domestic PEP who has been identified as posing a higher risk of financia}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12285346 l misconduct.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5074444 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444 
If a reporting institution determines a person referred to in subsection (1) is a foreign PEP or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444 
 a domestic PEP who has been identified as posing a higher risk of financial misconduct, the reporting institution must\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5074444 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5074444 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5074444 take reasonable measures to establish the source of wealth and the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 source of funds of that PEP; }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3693825 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5074444 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5074444 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid2955088 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5074444 conduct enhanced ongoing monitoring where there is an ongoing busi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12285346 ness relationship with that PEP;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3693825  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2434632 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2434632 where a life insurance policy is to be paid out
\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2955088 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2434632 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid2434632 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2434632 inform senior management before the pay}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2434632 out of the policy proceeds; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2434632 \hich\af0\dbch\af0\loch\f0 (ii)\tab}
conduct enhanced scrutiny on the whole ongoing business relationship with the policyholder; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2434632\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2434632\charrsid11667477 
consider whether to make a suspicious activity report under section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \highlight4\insrsid2434632\charrsid2434632  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12285346 47}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 .}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid2434632\charrsid2434632 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3693825 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .
\par {\*\bkmkstart _Toc469311973}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid228332\charrsid13120347 \hich\af0\dbch\af0\loch\f0 32\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid228332 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid228332\charrsid13120347 Ongoing }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid4000041 customer due diligence and monitoring}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid228332\charrsid13120347 {\*\bkmkend _Toc469311973}

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15272309 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid15272309 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15272309 This section applies to an ongoing business relationship.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid228332\charrsid13120347 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid228332 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid228332\charrsid13120347 A reporting institution mus}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2179598 
t carry out ongoing and effective monitoring}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7406352 , as may be prescribed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10045403 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7406352  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2179598 of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7472686 any ongoing business relationship, including}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid228332\charrsid13120347 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7472686 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid13139759 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7472686 review of information held for the purpose of customer due diligence to ensure that it is up to date and appropriate; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10823633 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7472686 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7472686 
appropriate scrutiny of transactions and other activities, paying special attention to suspicious and unusual activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13139759\charrsid13120347 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6126412  and}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13139759 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7472686 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3824781 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7472686 appropriate scrutiny of transactions to ensur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3824781 
e that they are consistent with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7472686 the reporting institution\rquote s knowledge of the custome}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309 r, its business and level of risk,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7472686  and where appropriate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7472686  source of funds}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7472686 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3824781 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid1273465 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3824781 
T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid228332\charrsid13120347 he reporting institution must make sure the extent and frequency of any }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3824781 monitoring under this section}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid228332\charrsid13120347  appropriately reflects\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid228332 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13139759 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid13139759 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13139759 the type of customer due diligence conducted when the ongoing business relationship with the customer was established;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6126412  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13139759 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid11748425 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11748425 
the customers level of risk, having particular regard to whether a customer poses a higher risk of financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13139759 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797\charrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid672287 
\par 
\par {\*\bkmkstart _Toc469311974}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3178156 \hich\af0\dbch\af0\loch\f0 33\tab}}\pard \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid3178156 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3178156 Existing customers{\*\bkmkend _Toc469311974}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10961502 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3178156 A reporting institution must undertake the procedures as required}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761  in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3178156  sections }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6112441 
25 as well as section 29}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797  where appropriate,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3178156  in relation to its existing customers, based on its own assessment of materiality and risk, taking into account
\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3178156 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3178156 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3178156 any previous due diligence undertaken; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3178156 \hich\af0\dbch\af0\loch\f0 (b)\tab}when that due diligence was last undertaken for existing customers; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3178156 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid672287 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3178156 the adequacy of the informati}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 
on, documents or data obtained.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 
\par {\*\bkmkstart _Toc469311975}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 34\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid6906937 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
Reliance on third parties{\*\bkmkend _Toc469311975}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6906937 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
For the purposes of this section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6906937 third party }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 means\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6906937 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6906937 a licensed financial institution; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (b)\tab}a member of a financial services group of which the reporting institution is also a member; or

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (c)\tab}a foreign }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937\charrsid11667477 
reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937  which is subject to and supervised by a foreign authority for compliance with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755  combating}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
 money laundering}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937  financing of terrorism}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755  and proliferation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448 
 of weapons of mass destruction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937  requirements consistent with standards set by the FATF if the customer is also a customer of th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 
e foreign reporting institution; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (d)\tab}any other person prescribed. 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6906937 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
Subject to subsection }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937\charrsid16455089 (3)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid68826 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
 reporting institution may rely}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937\charrsid6893711  on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937  a third party to undertake customer due diligence procedures as required by sections }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14497797 25, 27 and 29}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937  if the following requirements are met\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6906937 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6906937 the reporting institution is satisfied that the third party it intends to rely upon is subject to and supervised for compliance with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755 combating money laundering}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4991448 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755  financing of terrorism and proliferation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4991448  of weapons of mass destruction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755\delrsid5113755  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 consistent with the standards set by the FATF and has adequate measures in place to comply with those requirements; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937\charrsid11667477 
the reporting institution takes appropriate steps to identify, assess and understand the financial misconduct risks particular to the jurisdictions that the third party operates in; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937\charrsid11667477 \hich\af0\dbch\af0\loch\f0 (c)\tab}
the third party is able and willing to provide, without delay, upon the reporting institution\rquote s request any data, documents or information obtained by the third party with respect to the measures applied on the reporting institution\rquote 
s customer, which the reporting institution would be required or would want to obtain.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6906937 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
If a reporting institution relies on a third party to undertake customer due diligence procedures as required by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 , it must\emdash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6906937 \-
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6906937 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6906937 document the basis for its satisfaction that the requirements in subsection (2) have been met except where the third party is a licensed financial institution; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (b)\tab}obtain the necessary information required }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 
for the relevant level of customer due diligence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 before it enters into the ongoing business relationship or isolated transaction; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (c)\tab}ensure that copies of necessary information obtained in relati
on to the customer or transaction or both will be made available to it from the third party upon request without delay}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937\charrsid14032909 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6906937 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\chshdng0\chcfpat0\chcbpat8\insrsid6906937 Despite anything in subsections (1) to (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid9569761 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid6906937 
), the reporting institution relying on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid4000041 the third party}{\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid6906937  to conduct the customer due diligence, }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid4000041 and not the third party}{\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid6906937 , is responsible for ensuring that customer due dilige}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\chshdng0\chcfpat0\chcbpat8\insrsid4000041 nce is carried out in compliance with the requirements of this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \chshdng0\chcfpat0\chcbpat8\insrsid6906937  Act.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6906937 \hich\af0\dbch\af0\loch\f0 (5)\tab}
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6906937 .
\par }\pard\plain \ltrpar\s40\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12592026 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid672287 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 {\*\bkmkstart _Toc469311976}Subpart 2 - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 Electronic funds transfers and correspondent banking due diligence requirements{\*\bkmkend _Toc469311976}
\par {\*\bkmkstart _Toc469311977}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3623147 \hich\af0\dbch\af0\loch\f0 35\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid3623147 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
Interpretation{\*\bkmkend _Toc469311977}
\par }\pard\plain \ltrpar\s21\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3623147 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3623147 For the purposes of this subpart, unless the context otherwise requires\emdash 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid3623147 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid3623147\charrsid3623147 beneficiary}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147  means }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14304053 the person (natural or legal) }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid68826 who }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14304053 or legal arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4384  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14304053 wh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid68826 ich}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14304053 
 is identified by the originator as the receiver of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 electronic funds transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid68826 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806  funds}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3623147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9176016 beneficiary institution }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016 
means the reporting institution that receives the electronic funds transfer from the ordering institution, directly or through an intermediary institution, and makes the fun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 ds available to the beneficiary}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016\charrsid9176016 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3623147\charrsid12337604 correspondent services}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3623147  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 means banking, money or valu
e transfer services and other similar relationships provided by a financial institution in one jurisdiction (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3623147 the correspondent institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
) to a financial institution in another jurisdiction (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3623147 the respondent institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9176016 cover payment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016  means an electronic fu
nds transfer that combines a payment message sent directly by the ordering institution to the beneficiary institution with the routing of the funding instruction from the ordering institution to the beneficiary institution through one or}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9529806  more intermediary institutions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9529806\charrsid9529806 cross-border electronic funds transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 
 means an electronic funds transfer where the ordering institution and the beneficiary institution are located in different jurisdictions and also refers to any chain of electronic funds transfer in which 
at least one of the financial institutions involved is located in a different jurisdiction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806\charrsid9529806 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3623147 domestic electronic funds transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147  means an electronic funds transfer where the ordering institution, the intermediary institution and the beneficiary institut
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 ion are all in the Cook Islands}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9176016 intermediary institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016 
 means the reporting institution in a serial payment or cover payment chain that receives and transmits an electronic funds transfer on behalf of the ordering institution and the beneficiary institution, or a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 
nother intermediary institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016\charrsid9176016 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid9176016 ordering institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016 
 means the reporting institution that initiates the electronic funds transfer and transfers the funds upon receiving the request for an electronic funds trans}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 fer on behalf of the originator}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9176016\charrsid9176016 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid14304053 originator}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14304053  m
eans the account holder who allows the wire transfer from that account, or where there is no account the person (natural or legal) or legal arrangement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016 
 that places the electronic funds transfer order with the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9176016  that is the ordering institution to perfor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9529806 m the electronic funds transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14304053\charrsid14304053 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3623147 payable-through account}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147  means an account maintained by a correspondent institution that may be operated directly by a custome}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9529806 r of the respondent institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1013494 serial payment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494  means a direct sequential chain of
 payment where the electronic funds transfer and accompanying payment message travel together from the ordering institution to the beneficiary institution, directly or through one or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 
 more intermediary institutions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid10433604 straight-through processing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10433604  means payment transactions that are conducted electronically without t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 
he need for manual intervention}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10433604 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid1397267\charrsid6112441 EFT threshold amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267\charrsid6112441  means $1500 New Zealand dollars or the equivalent value in foreign currency}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9175328\charrsid6112441  or such other amount as may be prescribed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267\charrsid1397267 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid15272309 unique transaction reference}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309  means }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267 
a combination of letters, numbers or symbols determined by the payment service provider in accordance with the protocols of the payment and settlement system or messaging system used for the electronic funds transfer and which permits traceability o
f the electronic funds transfer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309\charrsid15272309 
\par {\*\bkmkstart _Toc469311978}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid91938 \hich\af0\dbch\af0\loch\f0 36\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 
Application of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431  this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938  subpart{\*\bkmkend _Toc469311978}
\par }\pard\plain \ltrpar\s21\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid91938 This subpart applies to a reporting institution that undertakes banking business, or money or value transfer services, or other similar arrangements.
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 {\*\bkmkstart _Toc469311979}Electronic funds transfers}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938\charrsid91938 {\*\bkmkend _Toc469311979}
\par {\*\bkmkstart _Toc469311980}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid9510352 \hich\af0\dbch\af0\loch\f0 37\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9510352 
Electronic funds transfers}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14182696 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309 due diligence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14182696  requirements}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
{\*\bkmkend _Toc469311980}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5319876 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4399945 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5319876 
Before }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12278604 conducting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5319876  an electronic funds transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3817467  greater than the EFT threshold amount}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5319876 , every reporting institution that is an ordering institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4399945  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12278604 identify the originator and verify that identity}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid4399945  if the reporting institution has not already don}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 e so in accordance with this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4399945 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12278604 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15272309 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309 If a cross-border}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4399945  electronic f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267 unds transfer is for an amount equal to or less than the EFT threshold amount, a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4399945 
 reporting institution that is an ordering institution must ensure it is accompanied with the following information\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4399945 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4399945 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4399945 the name of originator; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4399945 \hich\af0\dbch\af0\loch\f0 (b)\tab}the originator\rquote s account number or unique transaction re
ference number if no account exists; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4399945 \hich\af0\dbch\af0\loch\f0 (c)\tab}the name of the beneficiary; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4399945 \hich\af0\dbch\af0\loch\f0 (d)\tab}the beneficiary\rquote 
s account number or unique or unique transaction reference number if no account exists.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15272309 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid15492314 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15272309 If a cross-border}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15492314  electronic funds transfer is for an amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267 greater than the EFT threshold amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15492314 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15492314  reporting institution that is an ordering institution must ensure it is accompanied with information referred to in subsection }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15492314\charrsid7959034 (2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15492314  in addition to any of the following information\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15492314 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15492314 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15492314 the originator\rquote s address:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15492314 \hich\af0\dbch\af0\loch\f0 (b)\tab}the originator\rquote s national identification number:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15492314 \hich\af0\dbch\af0\loch\f0 (c)\tab}the originator\rquote s date and place of birth, or incorporation, or registration.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7495174 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid1013494 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7495174 
If}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494  several individual electronic funds transfer from a single originator are bundled in a batch for transmission to beneficiaries, a reporting institution must ensure that the batch}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4991448 ed transfer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494  contains\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid672287 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid1013494 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid672287 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494 he originator information as set out in subsections (2) and (3); and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid672287 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494 
he beneficiary information as set out in subsection (2) which are fully traceable within the beneficiary }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15272309 jurisdiction.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1013494 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12592026 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 However if an electronic funds transfer is a domestic electronic funds transfer a reporting institution that is an ordering institution may include only the originator\rquote s account number or unique transaction reference if\emdash }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15492314 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 that information will permit the transaction to be traced back to the originator and beneficiary; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (b)\tab}
the reporting institution must provide the originator information as set out in subsections (2) and (3) within 3 working days of a request being made by the beneficiary institution,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287  or a competent authority:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (c)\tab}
the reporting institution must provide the originator information as set out in subsections (2) and (3) immediately upon request of a competent authority for law enforcement purposes.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7959034 \hich\af0\dbch\af0\loch\f0 (6)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7959034 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 .
\par {\*\bkmkstart _Toc469311981}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid91938 \hich\af0\dbch\af0\loch\f0 38\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 
Obligations of a reporting institution that is a beneficiary institution{\*\bkmkend _Toc469311981}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9529806 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 A}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 reporting institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9529806 , in relation to all cross-border electronic funds transfers}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3623147 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid91938 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3623147 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid91938 take reasonable measures, including post-event monitoring or real time monitoring where feasible, to identify electronic funds transfers that lack originator or beneficiary information }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 as re
quired by this subpart; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10492692 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10492692 for any elec}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3817467 tronic fund}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3817467  transfer over the EFT threshold amount, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
identify the beneficiary and verify that identity if the reporting institution has not already done so in accordance with section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 this Act.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid91938 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid91938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 A }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3623147 beneficiary institution must implement appropriate internal risk based policies, procedures and controls for determining\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid91938 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3623147 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3623147 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3623147 when to execute, reject or suspend an electronic funds transfer lacking required originator or beneficiary information; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3623147 \hich\af0\dbch\af0\loch\f0 (b)\tab}the appropriate follow-up action}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 .}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid3623147 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7959034 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7959034 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 .
\par {\*\bkmkstart _Toc469311982}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6971251 \hich\af0\dbch\af0\loch\f0 39\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid6971251 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 
Obligations of a reporting institution that is an intermediary institution{\*\bkmkend _Toc469311982}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10433604 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10433604 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10433604 A reporting institution that is an intermediary institution shall retain all the required originator and beneficiary information accompanying the electronic funds transfer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7495174 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7495174 If}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10433604 
 technical limitations prevent the required originator and beneficiary information acc
ompanying a cross-border electronic funds transfer from remaining with a related domestic electronic funds transfer, a record must be kept, for at least 6 years, by the receiving intermediary institution of all the information received from the ordering i
nstitution or another intermediary institution.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10433604 \hich\af0\dbch\af0\loch\f0 (3)\tab}An intermediary institution must take reasonable measures, whi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9529806 ch are consistent with straight-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10433604 through processing, to identity cross-border electronic funds transfers that lack the required originator or beneficiary information.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10433604 \hich\af0\dbch\af0\loch\f0 (4)\tab}
An intermediary institution must implement appropriate internal risk based policies, procedures and controls for determining\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10433604 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10433604 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10433604 when to execute, reject, or suspend an electronic funds transfer lacking the required originator or beneficiary information; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10433604 \hich\af0\dbch\af0\loch\f0 (b)\tab}the appropriate follow-up action.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7959034 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7959034 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 .
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6687431 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431 {\*\bkmkstart _Toc469311983}Correspondent banking due diligence{\*\bkmkend _Toc469311983}
\par {\*\bkmkstart _Toc469311984}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 40\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12592026 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
Correspondent banking due diligence{\*\bkmkend _Toc469311984} 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12592026 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 Before entering into an ongoing business relationship or isolated transaction that involves correspondent services a reporting institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid11366420 \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 assess the suitability of the respondent institution by taking the following steps\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 obtaining sufficient information about the respondent institution to understand fully the nature of its business; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (ii)\tab}determine from publicly available information\emdash 
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (A)\tab}}\pard\plain \ltrpar\s43\qj \fi-624\li2438\ri0\sa60\widctlpar
\jclisttab\tx1800\jclisttab\tx2438\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl4\adjustright\rin0\lin2438\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12592026 the reputation of the respondent institution; and
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (B)\tab}the quality of the supervision to which it is subject; and
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (C)\tab}whether it has been subject to investigation or regulatory action in }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid672287 respect of financial misconduct:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 assess the respondent institution\rquote s financial misconduct controls and ascertain whether }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 they are adequate and effective:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026\charrsid6893711 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026\charrsid6893711 ensure }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 that a member of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6893711 senior management }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
approves establishing the correspondent services relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6893711 ; }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6893711 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 clearly understand and }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12592026\charrsid6893711 document the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 respective responsibilities of each institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7495174 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12592026 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7495174 If}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026  the correspondent services involve a payable-through account, the reporting institution must be satisfied }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 that the respondent institution}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 has taken measures that comply wi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 th the relevant customer due diligence requirements of this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026  with respect to every customer havi}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 ng direct access to the account:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (b)\tab}will provide the reporting institution with the relevant evidence of identity upon request.

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12592026 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 Subsection (4) does not apply if\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026\charrsid6635346 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12592026 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026\charrsid6635346 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 respondent institution\rquote s customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  is a reporting institution }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  is subject to prudential}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026  supervision}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  by the FIU or the F}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 SC; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026\charrsid6635346 \hich\af0\dbch\af0\loch\f0 (b)\tab}the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 account is established as
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  part of an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 existing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
ongoing business relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  with a person }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 who has}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  already produced}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026  to the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026\charrsid6635346  evidence of identity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 
 that complies with this subpart, and the financial transaction has no identifiable suspicious or unusual activity.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12592026 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12592026 A reporting institution must take appropriate measure to satisfy itself that its respondent institutions do not permit their accounts to be used by shell banks.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12592026 \hich\af0\dbch\af0\loch\f0 (5)\tab}
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12592026 .
\par }\pard\plain \ltrpar\s40\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10511266 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid91938 {\*\bkmkstart _Toc469311985}Subpart 3 - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7436461 Record Keeping}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7436461\charrsid4619132 {\*\bkmkend _Toc469311985}
\par {\*\bkmkstart _Toc469311986}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid14104983 \hich\af0\dbch\af0\loch\f0 41\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid1998081 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14104983 R}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766\charrsid6893711 etain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14974715 ing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766\charrsid6893711  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040 information and records}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766\charrsid6893711 {\*\bkmkend _Toc469311986}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7237766 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7214040 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766 
A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766\charrsid6893711  reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766  must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040  retain\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7214040 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid7214040 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7214040 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid605979  copy of evidence of identity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040  obtained or produced under sections }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 25, 27 and 29,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid7214040  or information that enable a copy of such to be obtain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040  without significant delay (no longer than 5 working days):
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7214040 \hich\af0\dbch\af0\loch\f0 (b)\tab}a record of all isolated transactions and transactions }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7214040\charrsid3747578 carried out in the course of an ongoing business relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040 
, including identification information, account files, business correspondence records and the results of any analysis undertaken (including risk assessments); and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040\charrsid3747578 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7214040 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040 
such other records as are sufficient to permit the reconstruction of individual transactio}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10625559 ns and compliance with this Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10625559\charrsid3747578 
to a standard that allows }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 a competent authority}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10625559\charrsid3747578  to investigate and prosecute financial misconduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10625559 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7214040\charrsid6893711 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7237766 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766 
The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15139454 information and records under subsection (1)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7237766  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 must be retained for }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14974715 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2631485  years}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15472887  in each of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2631485  following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15472887 
 cases}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2631485 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9130837 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9130837 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 completion of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2631485 an isolated}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837  transaction}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9130837 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9130837\charrsid9130837 \hich\af0\dbch\af0\loch\f0 (b)\tab}the end of an ongoing business relationship:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9130837\charrsid9130837 \hich\af0\dbch\af0\loch\f0 (c)\tab}
in the absence of any formal end to an ongoing business relationship, the  completion of the last transaction in that relationship}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid605979 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid605979 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid605979 
However the reporting institution must retain all relevant information and records until otherwise notified in writing by the FIU if\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid605979\charrsid9130837 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4737418 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4737418 a suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837  report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid605979  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761 has}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid605979  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 been made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid605979 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837  and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6237883 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6237883 the reporting institution knows or believes }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10625559 that the matter is under investigation by a competent authority; or}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\langfenp1033\insrsid5010015\charrsid4594788 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9130837\charrsid9130837 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837 
the reporting institution becomes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208  aware}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9130837\charrsid9130837  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10625559 
that a request for information or an enquiry is underway by a competent authority.}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \f37\fs22\lang5129\langfe1033\langfenp1033\insrsid9130837\charrsid5010015 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .
\par {\*\bkmkstart _Toc469311987}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 42\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15945077 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs63\insrsid10364783 Format and retrieval of information and records}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid6893711 {\*\bkmkend _Toc469311987}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7739208 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7739208 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 
In the case of information and records that are required to be retained under this subpart, the reporting institution must ensure records\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7739208 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid7739208 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7739208 be kept}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208\charrsid9530896  in the English language, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 or so as to enable the records to
 be readily accessible and translated into the English language; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208\charrsid9530896  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7739208\charrsid9530896 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208\charrsid9530896 be kept in }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 hard copy format}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208\charrsid9530896  or (if a paper copy can be r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 eadily produced) digital format; and}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7739208 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7739208\charrsid9530896 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208\charrsid9530896 
be kept with appropriate security, back}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208\charrsid9530896 up and recovery procedures}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7739208\charrsid9530896 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7739208 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10364783 If the information and records are kept outside the Cook Islands (whether in hard copy format or digital format), the reporting institution must ensure that copies can }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11619464 be }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10364783 sent to, or retrieved in or from the Cook Islands }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755 in no }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761  longer than 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783  working days.
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7739208 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid672287 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
A reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3880679 
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid672287 
\par {\*\bkmkstart _Toc469311988}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 43\tab}}\pard \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15105261 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 Records of reports and enquiries}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711 {\*\bkmkend _Toc469311988}

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10364783 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974  reporting institution must }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 establish and maintain }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974 a }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8919974\charrsid15277049 register}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974  that contains}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15490201 , or allows the reconstruction of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1533724 
 the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 \emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid15277049 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8919974\charrsid15277049 a copy of every report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783  submitted}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049  to the FI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10777393 
U (and all related records) of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10237849 activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 ;}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4853898  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 a copy of every}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8919974\charrsid15277049  other report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783  submitted}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049  to the FIU (and all related records) made under}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4853898  this}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid15277049 \hich\af0\dbch\af0\loch\f0 (c)\tab}a copy of every enquiry made }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 
to it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974  by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 a competent authority }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974 that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 relat}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049  to financial misconduct.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid15277049 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid4594788 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8919974\charrsid15277049 The register must include details of\emdash   
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid15277049 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8919974\charrsid15277049 the dat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4853898 e on which the report is made; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid15277049 \hich\af0\dbch\af0\loch\f0 (b)\tab}th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 e person who made}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4853898  the report; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid15277049 \hich\af0\dbch\af0\loch\f0 (c)\tab}information sufficient to identify }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10364783 the relevant records}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10237849 ; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7365360 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7365360 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8919974 n the case of any enquiry made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10237849 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid4594788 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid10237849 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974\charrsid8919974 name of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid10237849 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974\charrsid8919974 agency}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs61\insrsid8919974 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid4853898  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10237849 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid10237849 the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs61\insrsid8919974\charrsid8919974 powers being exercised}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974\charrsid8919974  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974 

\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974\charrsid8919974 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974\charrsid8919974 
details of accounts or transactions involved.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8919974\charrsid15277049   
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9530896 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10896279 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9530896 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid6893711\charrsid9530896  reporting institution must keep the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid9530896\charrsid9530896 reports }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid6893711\charrsid9530896 referred to in subsection (1) for a period of 6 years after the date on which the report or the enquiry was made.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid6893711 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid8919974 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid8919974 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974 The register m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974\charrsid8919974 
ust be kept separate from all other records}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid10364783 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid8919974 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7867627 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 A reporting institution that b
reaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .
\par {\*\bkmkstart _Toc469311989}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 44\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid6029422 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 
Information or r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6893711\charrsid9530896 ecords to be made available}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5595392 {\*\bkmkend _Toc469311989}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4853898 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid9530896 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4853898 
A }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5595392 reporting institution must make }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6029422 available to the FIU, if the FIU requests in writing,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1069576  any}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6029422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5595392 records and information }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6029422 that the reporting institution must keep, under this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1069576 
 that relate to a report, an investigation, or a request on behalf of a counterpart agency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6029422 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5595392 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5595392 \hich\af0\dbch\af0\loch\f0 (2)\tab}The records and information must be made available }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6029422 to the FIU }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5595392 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6029422 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5595392  the time specified in that notice.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6893711 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6029422 \hich\af0\dbch\af0\loch\f0 (3)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6029422 
The FIU must specify a time that is reasonable in the circumstances of the request that it makes.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10364783 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid10364783 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10364783 
If a reporting institution fails without reasonable excuse to comply with this section, the reporting institution commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10364783 
\par }\pard\plain \ltrpar\s30\qc \li0\ri0\sb360\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14246020 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid2823517 {\*\bkmkstart _Toc469311990}Part }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10777393 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020\charrsid14246020 {\*\bkmkend _Toc469311990}
\par }\pard\plain \ltrpar\s31\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14246020 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14246020 {\*\bkmkstart _Toc469311991}F}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2823517 inancial Transactions Reporting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 {\*\bkmkend _Toc469311991}
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2823517 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 {\*\bkmkstart _Toc469311992}Obligation to report certain transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020\charrsid14246020 {\*\bkmkend _Toc469311992}
\par {\*\bkmkstart _Toc469311993}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6971251 \hich\af0\dbch\af0\loch\f0 45\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid14246020 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 
Obligation to report certain }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15954094 cash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 transactions{\*\bkmkend _Toc469311993}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14246020 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14246020 A reporting institution must report to the FIU\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14246020 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14246020 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1069576 ny}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020  transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1069576  that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 \emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1069576 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14246020 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1069576 is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4000041 for an amount equivalent to, or in excess of the threshold amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 ; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (ii)\tab}is conducted}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1069576  wholly or substantially}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020  using c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15954094 ash}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14383633 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14383633 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14383633 The report may be sent by way of hard copy, fax, electronic mail or other means and must\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14383633 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14383633 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14383633 be in the form }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid7959034 stipulated in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6705589\charrsid7959034 practice guidelines}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14383633 ; }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14383633 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14383633 \hich\af0\dbch\af0\loch\f0 (ii)\tab}be signed or otherwise authenticated by the reporting institution; }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7959034 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14383633 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14383633 \hich\af0\dbch\af0\loch\f0 (iii)\tab}be submitted to the FIU within 3 working days after the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15954094 cash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14383633 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6705589 ransaction has been undertaken.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14383633 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7416096\charrsid6705589 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7416096 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7416096\charrsid6705589 The FIU may, on the application of a reporting institution,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096 
 exempt in writing the reporting of transactions referred to in subsection (1)(a) if the transactions are deposits or withdrawals by an established customer of a reporting institution using an account of the customer with the reporting institution.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7959034 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7959034 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 
A reporting institution that breaches this section commits an offence and is liable to the penalties under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 .
\par {\*\bkmkstart _Toc469311994}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6971251 \hich\af0\dbch\af0\loch\f0 46\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid6971251 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 
Obligation to report electronic funds transfers{\*\bkmkend _Toc469311994}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6971251 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6971251 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6971251 
This section applies to a reporting institution that undertakes banking business, or money or value transfer services, or other similar arrangements.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid11158110 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110 A reporting institution must}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14383633  report to the FIU\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid11158110 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14246020 all electronic or similar funds transfers out of the Cook Islands;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (ii)\tab}all electronic or similar funds transfers into the Cook Islands;}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11158110  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6705589 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6705589 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6705589 
The report must be submitted electronically unless otherwise permitted in writing by the Head and must\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6705589 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid6705589 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6705589 be in the form }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe5129\langnp2057\insrsid7959034 stipulated in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034\charrsid7959034 practice guidelines}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6705589 ; }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6705589 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6705589 \hich\af0\dbch\af0\loch\f0 (ii)\tab}be authenticated by the reporting institution; }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7959034 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6705589 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6705589 \hich\af0\dbch\af0\loch\f0 (iii)\tab}be submitted to the FIU within 5 working days after the transactions have been undertaken.

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14246020 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14246020 Subsection}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  (2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287  and}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5920408  (3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761  do}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020  not apply if both the person sending the funds and the person r
eceiving them is a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6705589 reporting institution supervised by the FSC and FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid14246020\charrsid6705589 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid11158110 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid11158110 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110 A reporting institution that breaches this section commits an offence and is liable to}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110  penalties under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11158110 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14246020 \hich\af0\dbch\af0\loch\f0 (6)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14246020 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14246020 Nothing in this section affects any other reporting requirement under this Act.
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2823517 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431 {\*\bkmkstart _Toc469311995}Obligation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14104983  to report suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14104983\charrsid14104983 {\*\bkmkend _Toc469311995}

\par {\*\bkmkstart _Toc469311996}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 47\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
Duty to report suspicious activity{\*\bkmkend _Toc469311996}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14497797 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14497797 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  reporting institution must }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919\charrsid7959034 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365\charrsid7959034 eport to the FIU any}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5138490\charrsid7959034  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096\charrsid7959034 activity that it has reasonable grounds to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5138490\charrsid7959034 suspect}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid7416096\charrsid7959034  is suspicious activity.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14497797 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 Except where section 48 applies the r}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096 epor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 ting institution must report the suspicious activity to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  the FIU as soon}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2823517  as possible but not later than 2 working days }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 after it forms, or should have formed, that suspicion.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid672287 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
If a reporting institution fails without reasonable excuse to comply with subsection (1), the reporting institution commits an offence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627  and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3880679 
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid672287 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid672287 
\par {\*\bkmkstart _Toc469311997}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6687431 \hich\af0\dbch\af0\loch\f0 48\tab}}\pard \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12452919 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431 Suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  by persons of interest
{\*\bkmkend _Toc469311997}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7959034 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7416096 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 
A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096  reporting institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 report to the FIU }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096 any}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14381365  activity it has reasonable grounds to suspect is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416096  suspicious activity relevant to a person that has been identified by the reporting institution }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16015291 as a person of interest.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16015291 \hich\af0\dbch\af0\loch\f0 (2)\tab}The reporting institution }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 must}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12452919  report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365  the suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 
the FIU as soon as possible but not later than 24 hours}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  after }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 it forms that suspicion}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 If a reporting institution fails without reasonable excuse to comply wi
th this section, the reporting in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2899744 stitution commits an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 offence and is liable to penalties under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\*\bkmkstart _Toc469311998}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 49\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
Supervisory body or auditor m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431 ust report suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 {\*\bkmkend _Toc469311998}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid7365360 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 This section applies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8930963\charrsid8930963  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8930963 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 
 every supervisory body and auditor of a reporting institution.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8930963 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 If a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 supervisor or auditor forms a}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14381365  view that any activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 , not reported by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291  reporting institution, is}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3811220 activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 , that supervisor or auditor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  must}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2899744 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid2899744 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 report }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 that activity as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3811220 activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 
 to the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2899744 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2899744 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14381365 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 report to the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14381365  must be made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  as soon as possible (and not later than 2 working days) after forming that view.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14364869 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 If a person fails without reasonable excuse to comply with subsection (2), the person commits an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 offence and is liable to penalties under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\*\bkmkstart _Toc469311999}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 50\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
Form and content of reports{\*\bkmkend _Toc469311999}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 n oral}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 report of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1056714  suspicious activity}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291  may be made to the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  either in person or by te}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 lephone}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
, but a written report must follow within 24 hours of any oral report.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16015291 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid16015291 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627  written report}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16015291  may be submitted by hand, mail}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291  electronic means and it must be\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7867627 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid16015291 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7867627 in the form }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034 stipulated in the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7867627  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291\charrsid16333147 practice guidelines;}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16015291  and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16015291 \hich\af0\dbch\af0\loch\f0 (b)\tab}be signed or authenticated by a monitor.
\par {\*\bkmkstart _Toc469312000}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid14104983 \hich\af0\dbch\af0\loch\f0 51\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14104983 
Further }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 monitoring and reporting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 {\*\bkmkend _Toc469312000}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16015291 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16015291 If a report of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342  suspicious activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16015291  has been made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342  to the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16015291 , the monitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342  must keep all subsequent activity of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 relevant person}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12219874 (s)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342  under enhanced scrutiny and prepare and provide }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid549151 further, separate, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 
reports of that subsequent activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15539342 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15539342 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15539342 as required by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 or under }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 this Act; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15539342 \hich\af0\dbch\af0\loch\f0 (b)\tab}in respect of activity }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 (even if it}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342  does not appear suspicious}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 , as required by the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 .}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15539342 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15539342 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid15539342 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15539342 The obligations imposed by subsection (1) continue until}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  such time as the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2899744 , acting reasonably,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919  advises in writing that the obligation under this section ceases}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275  to apply to that relevant person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 (s)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 If a person fails without reasonable excuse to comply with subsection (1), the person }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 commits an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002  offence and is liable to penalties under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\*\bkmkstart _Toc469312001}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 52\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15539342 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
Additional information{\*\bkmkend _Toc469312001}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874 Every person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  who has supplied information for the purposes of making }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  report}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12219874  under this }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755 Part}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 , upon request from the FIU,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12452919  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 provide }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 any further information}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874  to which they have access or control of a
nd which is relevant to further investigation of the suspicious activity identified in the report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14364869 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 If the person fails without reasonable excuse to comply with subsection (1) the person }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 commits an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 offence and is liable to penalties under section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 .

\par {\*\bkmkstart _Toc469312002}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 53\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15539342 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
Tipoff prohibited{\*\bkmkend _Toc469312002}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15539342 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15539342 This section applies to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3213307 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15539342 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3213307 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002  monitor:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15539342 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3213307 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3213307 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6056920 n employee or agent of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid349949  monitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3213307 \hich\af0\dbch\af0\loch\f0 (c)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3213307 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6056920  director, officer or principal of a monitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6056920 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
A per}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 son who }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 knows of or suspects}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  a suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid349949 activity}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  must not, apart from complying with the reporting obligations of this Act, disclose to any other person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  any of the following}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid11228002 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6056920 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11228002 that knowledge or suspicion:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (b)\tab}that a repo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 rt under this Act has been, or may 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 be made to the FIU:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (c)\tab}that other information required under this Act has been, or }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6056920 may be }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 given to the  FIU:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14364869 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
 contents or likely contents of any report under this Act relat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 ing to that suspicious activity:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (e)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 inf}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 ormation that might}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002  identify any person who has\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid14364869 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6056920 h}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 andled that suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid349949 activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 ; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (ii)\tab}pr}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 epa
red any report regarding that suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid349949 activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 ; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (iii)\tab}pr}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
ovided any information to the FIU regarding that suspicious }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid349949 activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 A person must not intentionally say or do anything that, by word or conduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  might allow another person to infer any of th}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid3213307 e circumstances set out}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  in subsection}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920  (2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 . 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (4)\tab}Subsection (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 ) does not apply to a disclosure made to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6056920 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 a person who has made}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  or is required to make}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
 a report or provide information under this Act for any purpose connected with the perf}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 ormance of that person's duties:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid14364869 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
 lawyer for the purpose of obtaining legal advice or representation in relation to the disclosure}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (c)\tab}the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  supervisory body or audi
tor of the relevant reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (d)\tab}the F}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
IU or any person assisting the FIU in the performance of its duties}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (e)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 any}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919  police officer engaged in the investigation of financial misconduct or any serious offence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3213307 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6056920 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid5966515 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 
A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  person who receives information under the exceptions contained in subsection (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6056920 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 ) }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6056920 must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  keep that information confidential}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196 . However that person may disclose it }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
to another person of the kind referred to in that subsection }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 provided both are acting properly and in good faith}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 .
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (6)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 Nothing in this section prevents }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 
a person disclosing }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 information}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196  to a Court if}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6571474 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid7279196 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6571474 the person discloses the information}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196  for the purposes of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 , or in the course of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12452919  any proceedings before }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7279196 ; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 the Court is satisfied }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6571474 that it }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 is necessary in the interests of justice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  for that person to disclose the information}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 .  
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12131672 \hich\af0\dbch\af0\loch\f0 (7)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid2823517 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12131672 A reporting institution that breaches this section commits an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 offence and is liable to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6251084  the penalties in}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11228002  section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2823517 
\par }\pard\plain \ltrpar\s30\qc \li0\ri0\sb360\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12219874 {\*\bkmkstart _Toc469312003}Part 5{\*\bkmkend _Toc469312003}
\par }\pard\plain \ltrpar\s31\qc \li0\ri0\sa240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9569761 {\*\bkmkstart _Toc469312004}Miscellaneous M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956 atters}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 {\*\bkmkend _Toc469312004}
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1772956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956 {\*\bkmkstart _Toc469312005}Prohibitions and Offences}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956\charrsid1772956 {\*\bkmkend _Toc469312005}
\par {\*\bkmkstart _Toc469312006}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid13912947 \hich\af0\dbch\af0\loch\f0 54\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947 
Prohibition on anonymous}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947 fictitious}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755 false}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13912947  accounts{\*\bkmkend _Toc469312006} }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid13912947 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874 A reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947  must not\emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13912947 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid13912947 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13912947 open or operate an anonymous account; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13912947 \hich\af0\dbch\af0\loch\f0 (b)\tab}knowingly or recklessly open or operate an account in a fictitious}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5113755  or a false}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947  name.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14485517 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14485517 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14485517 A person must not deal with a reporting institution in a way that allows a person to knowingly or recklessly open or operate an account in a fictitious}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755  or a false}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14485517  name.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7959034\charrsid6905692 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12219874 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 A }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14485517 person or }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874 reporting institution who breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 .
\par {\*\bkmkstart _Toc469312007}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid16333147 \hich\af0\dbch\af0\loch\f0 55\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956\charrsid16333147 Prohibition on dealing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874\charrsid16333147  with shell banks{\*\bkmkend _Toc469312007} 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874\charrsid16333147 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6687431 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874\charrsid16333147 A reporting institution must not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147  establish,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947\charrsid16333147  continue}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16333147\charrsid16333147  or conduct}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947\charrsid16333147  a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147  business relationship or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13912947\charrsid16333147  isolated transacti}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6687431 on with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13912947\charrsid16333147 a shell bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087 .}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12219874\charrsid16333147 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16333147\charrsid16333147 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid16333147 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147 For the avoidance of doubt if a reporting institution undertakes banking business
\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16333147\charrsid16333147 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid16333147 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16333147\charrsid16333147 section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14497797 46}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147  of the Banking Act 2011 applies; and 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16333147\charrsid16333147 \hich\af0\dbch\af0\loch\f0 (b)\tab}if there is a conflict betwee}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11560087 n the provisions of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 this section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147 and section }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11296267 46}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147  of the Banking Act 2011}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147  the provisions of section }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 46}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16333147\charrsid16333147  of the Banking Act 2011 prevails.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874\charrsid16333147 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874\charrsid16333147 A reporting institution who breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874\charrsid16333147 .
\par {\*\bkmkstart _Toc469312008}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979 \hich\af0\dbch\af0\loch\f0 56\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid2125979 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs63\insrsid2125979 Concealing identity through n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid2125979\charrsid2125979 ominee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid6645559  or trustee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs63\insrsid2125979\charrsid2125979 
 arrangements{\*\bkmkend _Toc469312008}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14485517 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid2125979 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14485517 A person dealing with a reporting institution in a trustee or nominee capacity must disclose their trustee or nominee status to the reporting institution before establishing an ong
oing business relationship or isolated transaction with a reporting institution.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid2125979 
A person must not deal with a reporting institution in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087  a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408  way that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid2125979 \emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid2125979 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2125979\charrsid2125979 avoids the requirements of this Act to identify another person and verify that identity; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (b)\tab}allow}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087 s}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2125979\charrsid2125979  a person to undertake a transaction without the identity of the ultimate principa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16455089 l(s) being disclosed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5113755 
 where such is required to be disclosed;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid2125979  or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (c)\tab}allow}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087 s}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2125979\charrsid2125979  a person to undertake a  transaction for the purpose of facilitating financial misconduct or a serious offence.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid2125979 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid2125979\charrsid2125979 If a reporting institution has reasonable grounds to suspect a person is acting in breach of subsection (1) the reporting institution must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid5920408 \emdash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs61\insrsid2125979\charrsid2125979  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid9569761 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid9569761 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid2125979\charrsid2125979 conduct enhanced due diligence in accordance with section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid11296267  29}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid9569761\charrsid11296267 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid9569761  or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid9569761\charrsid9569761 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cs61\lang5129\langfe5129\langnp5129\langfenp5129\insrsid9569761 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid11560087 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid9569761 if }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761\charrsid11667477 
the reporting institution reasonably believes that undertaking }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761 enhanced}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9569761\charrsid11667477  due diligence may tip off that person}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs61\insrsid11560087  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid5113755 section 26 applies.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs61\insrsid9569761\charrsid2125979 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2125979\charrsid2125979 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid2125979 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2125979\charrsid2125979 A person or reporting institution that breaches this section commits an offence and is liable to the penalties in section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2125979\charrsid2125979 .
\par {\*\bkmkstart _Toc469312009}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 57\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid1772956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956\charrsid14485517 Concealing scope and amount of financial transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2125979\charrsid14485517  (structuring)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 {\*\bkmkend _Toc469312009}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid1772956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 This section applies if a person conducts 2 or more financial transactions with 1 or more reporting institutions; and those financial transactions are entered into in a way that\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid1772956 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 avoids the need to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid31931  undertake customer due diligence procedures under this Act or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956\charrsid14485517  make a report under section}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 s 45 or 46}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956\charrsid14485517   for any 1 or more of those transactions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1380105 ; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 (b)\tab}
results in reports being made to multiple reporting institutions in a way that conceals the scope and amount of those financial transactions. 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid1772956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 A person commits an offence and is liable to the penalties in section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14485517  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 , if that person acts in the way set out in subsection (1) and if the sole or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 main}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956\charrsid14485517 
 intention of that person is to ensure either\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid1772956 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1772956\charrsid14485517 that there is no report made in relation to the financial transactions; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1772956\charrsid14485517 \hich\af0\dbch\af0\loch\f0 (b)\tab}reports are mad
e in a way that conceals the scope and amount of those financial transactions.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1772956 
\par {\*\bkmkstart _Toc469312010}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid10777393 \hich\af0\dbch\af0\loch\f0 58\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid8726573 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10777393 F}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2823517\charrsid15883485 alse or misleading information in connection with suspicious activity{\*\bkmkend _Toc469312010}
\par }\pard\plain \ltrpar\s21\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15883485 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2823517\charrsid15883485 A person commits an }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 offence and is liable to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6251084  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002  penalties }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6251084 in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002  section }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11228002 , who}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2823517\charrsid15883485  in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 making a report under sections }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 47, 48 or 49 supplying}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2823517\charrsid15883485 
 information in connection with that report,\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cf1\lang5129\langfe5129\langnp5129\langfenp5129\insrsid2823517\charrsid15883485 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15883485 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf1\insrsid2823517\charrsid15883485 makes any statement that the person knows is false or misleading in a material particular; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2823517\charrsid15883485 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \cf1\lang5129\langfe5129\langnp5129\langfenp5129\insrsid2823517\charrsid15883485 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid2823517\charrsid15883485 
omits from any statement any matter or thing without which the person knows that the statement is false or misleading in a material particular}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\insrsid10777393 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2823517 
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1772956 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087 {\*\bkmkstart _Toc469312011}Legal Status, Privilege, Protection and L}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 iability}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 {\*\bkmkend _Toc469312011}
\par {\*\bkmkstart _Toc469312012}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid15946757 \hich\af0\dbch\af0\loch\f0 59\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15946757 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 
Primacy of this Act{\*\bkmkend _Toc469312012} 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15946757 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid15946757 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15946757 Every reporting institution, and every officer, employee and agent of that reporting institution, must comply with the requirements of this Act.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15946757 \hich\af0\dbch\af0\loch\f0 (2)\tab}Subsection (1) applies despite any other obligat
ion as to secrecy or other restriction on the disclosure of information that may be imposed, whether by any other law or otherwise.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16734897 \hich\af0\dbch\af0\loch\f0 (3)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 Unless expressly stated in this Act, i}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 f there is a conflict between the provisions of this Act and any other Acts, this Act prevails.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757\charrsid15946757 
\par {\*\bkmkstart _Toc469312013}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874\charrsid163324 \hich\af0\dbch\af0\loch\f0 60\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874\charrsid163324 Legal professional privilege{\*\bkmkend _Toc469312013} 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3479058 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12219874 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3479058 For the purposes of this section lawyer means a person admitted in a jurisdiction to provide legal advice or legal representation.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12219874 Nothing in this Act requires any lawyer to d
isclose information which is subject to legal professional privilege.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (3)\tab}For the purposes of this Act, a communication is subject to legal professional privilege if
\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12219874 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874 it is a confidential communication, whether orally or in writing between\emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid12219874 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874 a lawyer acting in a legal professional capacity on behalf of a client and another lawyer in that capacity; or
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (ii)\tab}a lawyer acting in a legal professional capacity and that lawyer\rquote 
s client, whether made directly or indirectly through an agent; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid12219874 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12219874 it is made for the purpose of obtaining or giving legal advice or assistance; and
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12219874 \hich\af0\dbch\af0\loch\f0 (c)\tab}
it is not made for the purpose of committing or furthering the commission of financial misconduct or a serious offence. 
\par {\*\bkmkstart _Toc469312014}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid8590450 \hich\af0\dbch\af0\loch\f0 61\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid8590450 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8590450 
Protection for acts taken in compliance with this Act{\*\bkmkend _Toc469312014}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15018002 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid15018002 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15018002 This section applies to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002\charrsid15018002 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid8590450 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 a reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8590450 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8590450 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8590450 
the supervisory body of a reporting institution:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8590450 \hich\af0\dbch\af0\loch\f0 (c)\tab}the auditor of a reporting institution:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9772285 \hich\af0\dbch\af0\loch\f0 (d)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 each}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8590450  officer, employee }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8590450  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 independent contractor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8590450 
 of the auditor or the supervisory body acting in the course of th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 at person's work}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8590450 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9772285 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid3502637 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 each}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  officer, employee }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9772285 and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 independent contractor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
 of the reporting institution acting in the course of that person's }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2391275 work}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14838483 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid3502637 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14838483 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6774396  person }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14838483 is not permitted to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2495670  take }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 c}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15018002 ivil}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002  criminal }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 or disciplinary }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002 
proceedings }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 against a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14838483 ny}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285  person i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 n relation }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14838483 to an act or omission undertaken by that person in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919   good faith}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285  to comply\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid9772285 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 with obligations imposed by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 or under }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9772285 

\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 with a direction give}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15018002 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  by the FIU.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 Subsection (2) appl}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5920408 ies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  even if the person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13968135  against whom the proceedings are brought}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1003982 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid15018002 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 did not know }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002 what }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 underlying }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9722925 illegal }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 activity }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002 gave}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  rise to suspicious}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9722925  activity}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15018002 \hich\af0\dbch\af0\loch\f0 (b)\tab}regardless of w}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
hether illegal activity actually occurred.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 Subsection}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13968135 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15018002 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 ) }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13968135 and (3) do}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  not apply in respect of proceedings for an offence against this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 

\par {\*\bkmkstart _Toc469312015}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 62\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid15018002 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 
Liability of directors or officers of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13968135 legal person}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 {\*\bkmkend _Toc469312015}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid1380105\charrsid1380105 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid12452919 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1380105\charrsid1380105 A }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919\charrsid1380105 director or officer concerned in the management of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13968135\charrsid1380105 legal person}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12452919\charrsid1380105  is guilty}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1380105\charrsid1380105  of an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919\charrsid1380105  offence}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid1380105\charrsid1380105  under this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897\charrsid1380105  and liable to conviction if}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1380105\charrsid1380105  that legal person commits an offence and}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7734443\charrsid1380105 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9722925\charrsid1380105 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid9925561 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 it is proved that the act or omission constituting the offence took place with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9925561 that director\rquote s or officer\rquote s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9333977 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid9925561 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12452919 actual knowledge}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5271086  or reckless}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7953002  disregard}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9333977 ; and
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9333977 \hich\af0\dbch\af0\loch\f0 (ii)\tab}with that person, by act or omission, giving 1 or more of the following}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6440334 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9333977 
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (A)\tab}}\pard\plain \ltrpar\s43\qj \fi-624\li2438\ri0\sa60\widctlpar
\jclisttab\tx1800\jclisttab\tx2438\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl4\adjustright\rin0\lin2438\itap0\pararsid9925561 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12452919 authority}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9333977 :
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (B)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 permission}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9333977 :
\par {\listtext\pard\plain\ltrpar \s43 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid12452919 \hich\af0\dbch\af0\loch\f0 (C)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 consent.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16734897 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid2371926 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid16734897 For the avoidance of doubt c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919 riminal proceedings may be taken against a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 reporting institution for an offence under this Act}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12452919  without the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 directors or officers concerned in the management of the reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12452919  being charged with an offence.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2371926 
\par {\*\bkmkstart _Toc375125924}{\*\bkmkstart _Toc400369575}{\*\bkmkstart _Toc469312016}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid9704620 \hich\af0\dbch\af0\loch\f0 63\tab}
}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\keepn\widctlpar\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin720\itap0\pararsid10687598 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9704620 Penalties for }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2371926 offences{\*\bkmkend _Toc375125924}{\*\bkmkend _Toc400369575}{\*\bkmkend _Toc469312016} 

\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2371926 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16734897 Unless otherwise providing for in this Act or by regulation, a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2371926  person who commits an offence under this Act or regulations is liable on conviction,\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2371926 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls9\ilvl2\adjustright\rin0\lin1304\itap0\pararsid10687598 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2371926 in the case of an individual, to a fine not exceeding $}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1201905 25}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2371926 0,000 or to impriso}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 
nment for a term not exceeding 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2371926  years, or both; or
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2371926 \hich\af0\dbch\af0\loch\f0 (b)\tab}in any other case, to a fine not exceeding $}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1201905 1,0
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5335877 0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2371926 0,000.
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid271106 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 {\*\bkmkstart _Toc368064401}{\*\bkmkstart _Toc368064435}{\*\bkmkstart _Toc368064439}{\*\bkmkstart _Toc469312017}{\*\bkmkend _Toc368064401}{\*\bkmkend _Toc368064435}{\*\bkmkend _Toc368064439}
Regulations and Practice Guidelines}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 {\*\bkmkend _Toc469312017}
\par {\*\bkmkstart _Toc357769217}{\*\bkmkstart _Toc469312018}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 64\tab}}\pard\plain \ltrpar
\s20\ql \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 Regulations{\*\bkmkend _Toc357769217}{\*\bkmkend _Toc469312018}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid1397267 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
The Queen's Representative}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6251084  may}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998 y Order in Executive Council}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3756931 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 make regulations to prescribe for }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6251084 the following purposes}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1397267 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 providing}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328  for persons or classes of persons that may be included as reporting institutions and the extent the requirements of this Act apply those persons or classes of persons:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (b)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 providing for}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6251084  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8999142 persons or classes of persons that may be excluded as reporting institutions for the purposes of this Act:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid7820514 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 providing for activities or transactions that may be included or exclu
ded for the purposes of this Act:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9175328 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328 for certain reporting institutions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514  providing}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9175328  the extent of their compliance with a requirement of this Act:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid9175328 \hich\af0\dbch\af0\loch\f0 (e)\tab}for certain reporting institutions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 
 providing exemption(s)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328  from a requirement of this Act:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (f)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid9175328 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 providing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328  for addition}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7820514 al requirements}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328  under Part 2 and 3 of this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514  that must be complied with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328 :
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (g)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid7820514 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 providing for specific requirements that must be met by certain reporting institutions:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (h)\tab}providing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328  matters for}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7820514  which fees are payable and any}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9175328  exemption from fees, in whole or in part:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid16734897 \hich\af0\dbch\af0\loch\f0 (i)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 
providing for administrative penalties of a maximum of $1000 for }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1380105 breaches of compliance with the requirements of this Act:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (j)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 
providing for the matters stipulated in this Act as being prescribed:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7820514 \hich\af0\dbch\af0\loch\f0 (k)\tab}providing for amendment to the provisions of this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7495174  but}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062  only}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514  in respect of typographical}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062  or formatting errors:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7820514 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 (l)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid2695665 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 providing for any other matters}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14232472  provided or}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  contemplated by}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14232472  or under this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  necessary for giving it full effect.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid5850062 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
The power to make regulations under subsection (1) must be exercised only on the advice of the Minister given in accordance with a recommendation of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14232472 FSC.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7820514 
\par }\pard\plain \ltrpar\s20\ql \li720\ri0\sb240\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12990951 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12990951 
\par {\*\bkmkstart _Toc469312019}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid15946757 \hich\af0\dbch\af0\loch\f0 65\tab}}\pard \ltrpar\s20\ql \fi-720\li720\ri0\sb240\keepn\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin720\itap0\pararsid10687598 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 Practice guidelines}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150 
{\*\bkmkend _Toc469312019}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid4789150\charrsid4789150 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6571474 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4789150\charrsid4789150 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757  FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757  in consultation with the FSC}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7483998 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  may }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062 publish}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 
practice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  guidelines }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11359950 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5850062 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5850062 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5850062 provide guidance to reporting institutions, their officers, employees, and agents as to their obligations under this Act:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5318828 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5318828 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 provide guidance on internal policies to prevent money laundering, the financing of terrorism 
and the financing of the proliferation of weapons of mass destruction:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7815657 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5850062 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657 in matters concerning compliance with this Act, to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062 
provide guidance as to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 best practice }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062 for}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 internal procedures}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062  and controls}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 a reporting institution should}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5850062 establish, maintain and operate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5850062 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6571474 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062 provide reporting institutions }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 with lists detailing}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5850062  the jurisdictions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 \emdash 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5318828 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar\s42\qj \fi-510\li1814\ri0\sa60\widctlpar
\jclisttab\tx1814\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl3\adjustright\rin0\lin1814\itap0\pararsid5318828 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5318828 which}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid682628  the FATF}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 , FATF-style regional body, or the Cook Islands has made a call to apply countermeasures}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid672287 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828  or 
\par {\listtext\pard\plain\ltrpar \s42 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5318828 \hich\af0\dbch\af0\loch\f0 (ii)\tab}which}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5318828  FATF, FATF-style regional body, or the Cook Islands considered}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid682628  to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828  have}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid682628  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5318828 strategic money laundering and financing of terrorism deficiencies or to pose a higher risk of money laundering and financing of terrorism}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid682628 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5318828 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6571474 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5318828 provide guidance on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  best practice in recogn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 ising a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 nd handling transactions and att
empted transactions that may give}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828  rise to a suspicious activity report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5318828 \hich\af0\dbch\af0\loch\f0 (f)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 publicise}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10250553  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 new developments, including information on current techniques, methods and trends in al}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 l types of financial misconduct:}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6571474 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10250553 \hich\af0\dbch\af0\loch\f0 (g)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5318828 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10250553 to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 detail appropriate pro}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10250553 cedures and controls to prevent}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  the misuse of technological developments for the purposes of a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10250553 ny sort of financial misconduct:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5318828 \hich\af0\dbch\af0\loch\f0 (h)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 prov}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7495174 ide for forms for matters required to be submitted to the FIU}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5318828 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid10250553 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl2\adjustright\rin0\lin1304\itap0\pararsid6571474 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10250553 to address}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 
 any other matters contemplated by this Act, necessary for its full administration, or necessary for giving it full effect.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7495174 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6571474 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7495174 
A reporting institution must ensure it has regular access to the FSC website and that it reviews the information published by the FIU on a regular basis}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid672287 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid7495174 \hich\af0\dbch\af0\loch\f0 (3)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7495174 
If a reporting institution does not have regular access to the FSC website it must notify the Head as soon as reasonably possible.
\par {\*\bkmkstart _Toc469312020}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid6585652 \hich\af0\dbch\af0\loch\f0 66\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid6585652 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 
Status of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 practice guidelines}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 {\*\bkmkend _Toc469312020}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid14838483 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14838483 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14838483 Any terms, explanations or guidance provided in the practice }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15684645 guidelines }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14838483 
is persuasive and may be taken into account by a Court where the Court sees fit.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid6571474 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6571474 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474 An act done in accordance with a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 practice guideline}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  is valid and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 complies}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6571474  with this Act.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5511149 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid6585652 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 If a person fails }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150 to follow a }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 practice}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  guideline issued under this section}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 , that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4789150\charrsid4789150  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 is not,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  of itself, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6585652 a breach of this Act.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4789150 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid15684645 \hich\af0\dbch\af0\loch\f0 (4)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15684645 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4789150\charrsid4789150  failure}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15684645  under section 66(3)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  may be taken into account by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14838483 a}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15946757  the FIU, or the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657 FSC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150 , as the case may be, in de}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 ciding
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150  whether th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 at person or the relevant }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7815657 reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4789150\charrsid4789150  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 has breached any obligation imposed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150\charrsid4789150 by }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5511149 or}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid4789150\charrsid4789150  under this Act.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150 
\par }\pard\plain \ltrpar\s54\qc \li0\ri0\sb240\sa120\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4619132 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \i\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8536742 {\*\bkmkstart _Toc469312021}Transitional }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11560087 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8536742 rovisions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4789150 
{\*\bkmkend _Toc469312021}
\par {\*\bkmkstart _Toc469312022}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid14441074 \hich\af0\dbch\af0\loch\f0 67\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid13662588 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14441074 
Transitional }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4657337 arrangements}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 {\*\bkmkend _Toc469312022}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid13662588 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid9859514 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13662588 A reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998  that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13662588  is subject to the Financial Transactions Reporting Act 2004}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 
 immediately before the commencement of this Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13662588  must}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13662588  from the date of commencement of this Act}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid7483998 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13662588  comply with o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514 bligations set out in this Act.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid8726573 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8726573 All proceedings}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9859514\charrsid9859514  and other matters under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7483998  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514 
Financial Transactions Reporting Act 2004 that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514 have not been determined or completed at the commencement of this }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9770345 Act}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9859514\charrsid9859514  ar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514 e to be determined or completed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs83\insrsid9859514\charrsid9859514 as}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs83\insrsid9859514\charrsid9859514 if}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs83\insrsid9859514\charrsid9859514 this}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs83\insrsid9859514\charrsid9859514 Act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs83\insrsid9859514\charrsid9859514 
had}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs83\insrsid9859514\charrsid9859514 not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514\charrsid9859514  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs83\insrsid9859514\charrsid9859514 been}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  passed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9859514 
\par {\*\bkmkstart _Toc469312023}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 68\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0\pararsid2695665 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 
Repeal{\*\bkmkend _Toc469312023}
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2695665 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2695665 The Financial Transactions Reporting Act 2004 is repealed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 
\par {\*\bkmkstart _Toc469312024}{\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang5129\langfe5129\langnp5129\langfenp5129\insrsid5517753 \hich\af0\dbch\af0\loch\f0 69\tab}}\pard\plain \ltrpar\s20\ql \fi-720\li720\ri0\sb240\keepn\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5517753 Conse
quential amendments}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 {\*\bkmkend _Toc469312024}
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar\s21\qj \fi-720\li720\ri0\sa60\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
The Acts listed in}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16734897 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 chedule}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
 are amended as set out in that schedule.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid3742395 \hich\af0\dbch\af0\loch\f0 (2)\tab}The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5517753 
Financial Transactions Reporting (Forms) Regulations 2004 are }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 revoked}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5517753 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s22\qj \li720\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 
\par }\pard\plain \ltrpar\s45\qr \li0\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 \page }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1915730 s }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11296267 69(1)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s52\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 {\*\bkmkstart _Toc469312025}Schedule 1{\*\bkmkend _Toc469312025}
\par {\*\bkmkstart _Toc469312026}{\listtext\tab}}\pard\plain \ltrpar\s51\qc \fi-357\li357\ri0\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin357\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\b\fs28\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 Amendments to Acts{\*\bkmkend _Toc469312026}
\par }\pard\plain \ltrpar\s48\ql \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15883485 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278 Banking Act 2011
\par }\pard\plain \ltrpar\s41\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6111047 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6111047 Section 4 of the Banking Act 2011 is amended by omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6111047 customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6111047  \'93
section 2 of the Financial Transactions Reporting Act 2004\'94 and substituting \'93section 5 of the Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6111047 \'94.
\par Section 54(6)(e) of the Banking Act 2011 is amended by omitting \'93section 2 of the Financial Transactions Reporting Act 2004\'94 and substituting \'93sections 14, 17}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9770345 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6111047  18, 19 and 21 of the Financial Transactions Report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5442954 ing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6111047  Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6111047 \'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9770345 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6111047 
\par }\pard\plain \ltrpar\s48\ql \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15883485 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060 Captive Insurance Act 2013
\par }\pard\plain \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7874060 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7874060 Section 48 of the Captive Insurance Act 2013 is amended}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  by}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 omitting }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid7874060 \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11750642 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060  Reporting Act }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 2004\'94 and substituting }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060 \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7874060\charrsid5517753 

\par }\pard\plain \ltrpar\s48\ql \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2695665 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 Financial Intelligence Unit Act 2015
\par }\pard\plain \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2695665 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2695665 Section 4 is amended by\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls36\ilvl2\adjustright\rin0\lin1304\itap0\pararsid2695665 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2695665 omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2695665\charrsid14832620 oversight act}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  \'93Financial Transactions Reporting Act 2004\'94 and substituting \'93
Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 \'94:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 (b)\tab}omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid2695665\charrsid14832620 reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  \'93section 2 of the Financial Transactions Reporting Act 2004\'94 and substituting \'93section 5  of the Financial Transactions Reporting Act 201}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 \'94:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 (c)\tab}omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2695665 transaction}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  \'93section 2 of the Financial Transactions Reporting Act 2004\'94 and substituting \'93section 5  of the Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid2695665 \'94:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 (d)\tab}omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2695665 
transaction report}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278 paragraph (b)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  and substituting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278 
 the following paragraph\emdash 
\par }\pard\plain \ltrpar\s66\qj \fi-698\li2138\ri0\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2138\itap0\pararsid8139278 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665  \'93}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278 (b)\tab a suspicious activity report within the meaning of section 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2695665  of the Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 \'94.
\par }\pard\plain \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2695665 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2695665 Section 23(c) is amended by omitting \'93Financial Transactions Reporting Act 2004\'94 and substituting \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2695665 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665\charrsid15883485 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 Section 31 is amended by\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5520570 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls37\ilvl2\adjustright\rin0\lin1304\itap0\pararsid2695665 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5520570 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 mitting from the section heading \'93}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2695665\charrsid14832620 Financial Transactions Reporting Act 2004}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 
\'94 and substituting \'93}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2695665\charrsid14832620 Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 \'94:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid2695665 \hich\af0\dbch\af0\loch\f0 (f)\tab}omitting from subsection (1) \'93Financial Transactions Reporting Act 2004\'94
 and substituting \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2695665 \'94.
\par }\pard\plain \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15883485 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid12990951 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373 Financial Supervisory Commission Act 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5517753 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6448373 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 Schedule 1 of the Financial Supervisory Commission Act 2003 }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5520570 is amended by omitting \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1915730 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  Reporting Act 2003\'94 and substituting \'93
Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373\charrsid5517753 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15883485 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373 Foundations Act 2012
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6448373 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 Section 87(1)(b)(iii) of the Fou}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 
ndations Act 2012 is amended by omitting \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1915730 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  Reporting Act 2004\'94 and substituting \'93Financial Transactions Reporting Act 201}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5520570 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7874060 International Companies Act 1981-82}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7874060\charrsid7874060 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7874060 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060 Section 249(2) of the Interna}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 
tional Companies Act 1981-82 is amended by omitting \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1915730 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  Reporting Act 2004\'94 and substituting \'93
Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7874060\charrsid5517753 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6448373 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373 International Partnership Act 1984}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373\charrsid6448373 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 Section 72(1) of the Intern}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 ational Partnership Act 1984 is amended by omitting \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1915730 s}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  Reporting Act 2004\'94 and substituting \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\insrsid6448373\charrsid5517753 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373\charrsid6448373 International Trusts Act 1984
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 S}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373 chedule of the International Trusts Act 1984 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 
is amended by omitting \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11750642 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  Reporting Act 2003\'94 and substituting \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373\charrsid5517753 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15883485 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid6448373 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7874060 Limited Liability Companies Act 2008
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7874060 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7874060 Schedule 1 of the Limited Liability Companies Act 2008 }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5520570 is amended by omitting \'93Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11750642 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  Reporting Act 2004\'94 and substituting \'93F
inancial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7874060\charrsid5517753 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15883485 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6448373\charrsid15883485 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5520570 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5520570 Proceeds of Crimes Act 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\insrsid5520570\charrsid5517753 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 Section 3(1) is amended by\emdash 
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5520570 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls43\ilvl2\adjustright\rin0\lin1304\itap0\pararsid672287 \rtlch\fcs1 \ai\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5520570 omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5520570\charrsid672287 account}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  \'93section 2 of the Financial Transactions Reporting Act 2003\'94 and substituting \'93
section 5  of the Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 \'94:
\par {\listtext\pard\plain\ltrpar \s41 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang5129\langfe5129\langnp5129\langfenp5129\insrsid5520570 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s41\qj \fi-584\li1304\ri0\sa60\widctlpar
\jclisttab\tx1304\wrapdefault\aspalpha\aspnum\faauto\ls38\ilvl2\adjustright\rin0\lin1304\itap0\pararsid5520570 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570 omitting from the definition of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5520570\charrsid11233550 
reporting institution}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5520570  \'93Financial Transactions Reporting Act 2004\'94 and substituting \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5520570 \'94.
\par }\pard\plain \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15883485 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15883485 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid8139278 Trustee Companies Act 2014
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8139278 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278 Section 7(1)(b) of the Trustee Companies Act 2014 is amended by omitting \'93
Financial Transaction}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11750642 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278  Reporting Act 2004\'94 and substituting \'93Financial Transactions Reporting Act 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2630698 7}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid8139278\charrsid5517753 
\par }\pard \ltrpar\s22\qj \li0\ri0\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15883485 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8139278\charrsid8139278 
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1024\langfe1024\noproof\langnp2057\langfenp2057\insrsid15614752 {\shp{\*\shpinst\shpleft2631\shptop227\shpright5676\shpbottom227\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt0\shpz0\shplid1026
{\sp{\sn shapeType}{\sv 32}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn cxstyle}{\sv 0}}{\sp{\sn dhgt}{\sv 251657216}}{\sp{\sn fLayoutInCell}{\sv 1}}
{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8192\dppolyline\dppolycount2\dpptx0\dppty0\dpptx3045\dppty0\dpx2631\dpy227\dpxsize3045\dpysize0
\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr255\dpfillbgcg255\dpfillbgcb255\dpfillpat0\dplinew15\dplinecor0\dplinecog0\dplinecob0}}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
\par }\pard\plain \ltrpar\s53\qc \li0\ri0\sb60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs22\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3742395 This Act is administered by the Financial Supervisory Commission.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\langnp2057\langfenp2057\insrsid15614752 
{\shp{\*\shpinst\shpleft2664\shptop435\shpright5709\shpbottom435\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt0\shpz1\shplid1027{\sp{\sn shapeType}{\sv 32}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}
{\sp{\sn cxstyle}{\sv 0}}{\sp{\sn dhgt}{\sv 251658240}}{\sp{\sn fLayoutInCell}{\sv 1}}{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8193\dppolyline\dppolycount2\dpptx0\dppty0\dpptx3045\dppty0
\dpx2664\dpy435\dpxsize3045\dpysize0\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr255\dpfillbgcg255\dpfillbgcb255\dpfillpat0\dplinew15\dplinecor0\dplinecog0\dplinecob0}}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
Printed under the authority of the Cook Islands Parliament\emdash 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5840885 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3742395 
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