Which of the following statements is correct? Group of answer choices All of these answers are correct. A subscriber must take reasonable steps to offer users a receipt for all transactions, before the time of the transaction. A subscriber must take reasonable steps to offer users a receipt for all transactions, at the time of the transaction, including if the transaction is made using a telephone (telephone banking). A subscriber must take reasonable steps to offer users a receipt for all transactions, at the time of the transaction, except if the transaction is made using a telephone (telephone banking)