All of the statements below represent exposures to operational risks, except: L. Hurricane damaged the oil drilling platform in the Gulf of Mexico that resulted in oil spill; II. Loss of data records from CRM system because of hackers attack III. Government officials announce new legislation in oil-refining industry pushing plants to produce higher quality petrol; IV. The bankruptcy of a bank with which an organisation holds its current account and therefore, inability of the organisation to pay to its suppliers; V. Financial analyst hired by an outsourced HR agency had been implementing a new hedging strategy which resulted in enormous margin calls during the financial crisis. Select one: O a Only v b. Only IV OcOnly III, IV and V d. only ill and IV O e. only IV and V