21A. When an accountable institution engages with a prospective client to establish a business relationship as contemplated in Section 21, the institution must, in addition to the steps required under Section 21 and in accordance with its Risk Management and Compliance Programme, obtain information to reasonably enable the accountable institution to determine whether future transactions that will be performed in the course of the business relationship concerned are consistent with the institution's knowledge of that prospective client, including information describing: (a) The nature of the business relationship concerned; (b) The intended purpose of the business relationship concerned; and (c) The source of the funds which that prospective client expects to use in concluding transactions in the course of the business relationship concerned. Read the extract and answer the following question. Which of the following options is a key risk driver associated with identifying the source of funds, considering that Ubuntu Bank has clients from various countries in the SADC? Select one: a) A client has deposited money into their account that was obtained through money laundering. b) It will be easier for clients to hide the source of funds in foreign countries. c) Ubuntu Bank fails to update the security software on its online banking platform. d) A client-facing staff member informs the compliance officer of a client with untraceable funds, which leads to an investigation