1. For purpose of determining violation of the provisions of the anti-money laundering law, a transaction is considered as a "Suspicious Transaction" with "Covered Institutions" regardless of the amount involved, where which the following circumstances exists? (Philippine Context)

• The amount involved is not commensurate with the client's business or financial capacity.
• There is no underlying legal or trade obligation, purpose or economic justification.
• Client is not properly identified
• All of the above.