13. The "Know Your Customer" rule in the USA PATRIOT Act requires that financial institutions, including insurance companies, do all of the following EXCEPT: a. establish a customer identification program b. obtain and verify the customer's full name and date of birth c. verify the customer's identity by inspecting legal documents such as driver's licenses od. obtain the customer's fingerprints in certain cases 14. Agent Ernie has an idea that suspicious activity is taking place in a particular account. What should he do? a. report his suspicion to the company's designated compliance principal ob. report his suspicion to FinCEN c. discuss his concerns with the customer od. keep quiet on the subject and do some further investigation 15. Melissa works in the service center of a life insurance company. While she is trained to watch for suspicious transactions of any amount, she is required to review every transaction for red flags if the aggregate amount of premiums or deposits exceeds what amount? a. $500 b. $1,000 c. $2,500 Od. $5,000