On Tuesday at noon, Ann deposits $6,000 at Bank A into her joint account with her husband. At 5pm that day, she deposits $8,000 to her business account at Bank A. Group of answer choices The institution must file a CTR for $14,000 deposited by Ann. No CTR is required because the beneficiaries don't match. The institution must file a CTR for $14,000 deposited by, and for the benefit of, Ann and reports her husband as an additional beneficiary. The institution must file a CTR for $14,000 deposited by, and for the benefit of, Ann and reports her husband and her business account as additional beneficiaries. Whether a CTR is required or not depends on the institution's cutoff time for posting deposits. It is possible the 5:00 pm deposit would post on the next "business day" and would not be aggregated for CTR purposes