The following extract is from Section 21 of the Financial Intelligence Centre Amendment Act No. 1 of 2017: Ongoing due diligence 21C. An accountable institution must, in accordance with its Risk Management and Compliance Programme, conduct ongoing due diligence in respect of a business relationship, which includes: (a) Monitoring of transactions undertaken throughout the course of the relationship, including, where necessary - i. The source of funds, to ensure that the transactions are consistent with the accountable institution's knowledge of the client and the client's business and risk profile; and ii. The background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent business or lawful purpose; and (b) Keeping information obtained for the purpose of establishing and verifying the identities of clients pursuant to Sections 21, 21A, and 21B of this Act, up to date. Read the extract from Section 21C of the FIC Amendment Act and answer the following question. Which of the following two options are "unusual" cash transactions that Ubuntu Bank should be aware of and investigate further? Select more than one: a) Small cash transactions to a client's own personal account in another country, where this is also an Ubuntu Bank account b) Multiple smaller cash transactions within a brief time frame c) Paying cash in instalments, where the instalment amounts are inconsistent d) Large cash deposits