A financial institution holds an account for a charitable organization whose stated mission is to promote literacy in the local community. The charity derives most of its financial backing from periodic fundraising drives that take in hundreds of small donations from individual donors. Recently, the institution conducted a due diligence investigation and noticed anomalous activity in the charitys account. Which of these is a red flag for potential terrorist financing?

a. the charity recently purchased a large insurance policy which does not have a surrender clause and cannot be used as collateral

b. the charity has no long-term leasing agreement on a physical property in a nearby town

c. the transaction history indicates a pattern of wire transfers to countries with no previous connection to the charitys activities

d. the transaction history for the charity shows a large number of cash deposits

e. none of the above