One of the characteristics of the credit facilities under supervision O a. Low-risk credit facilities that have been structured twice during the year O b. Low-risk credit facilities that are structured three times a year O C. Credit facilities acceptable to risks that have been structured twice during the year O d. The credit facilities are risk acceptable that is structured three times a year Characteristics of non-performing credit facilities O a. It has been over due or one of its installments, or irregular payment of the principal amount or interest, or the current debit account has been frozen for 360 days or more O b. All of the above is true c. A past due, or one of its installments, or irregular payment of the principal amount or interest, or the stagnation of a current debit account from 180 days to 359 days O d. A past due, or one of its installments, or irregular payment of the principal amount or interest, or the stagnation of a current debit account from 90 days to 179 days