Nicolas is a licensed insurance representative and he has had several client meetings today. Under the Proceeds of Crime (Money Laundering) and Terrorist Financing legislation, which of the following client's identity must Nicolas ascertain?

a)George, who purchased an exempt universal life policy with a $21,000 annual premium.

b)Guy, who purchased a non-exempt deferred annuity and deposited $11,000 into the contract.

c)Faye, who opened a Tax-Free Savings Account (TFSA) and deposited $15,000 into the account

d)Fantina, who purchased a disability policy with $12,000 annual premium and no cash value.