You review the disclosure documents for the ALF S&P/TSX 60 Index ETF and find the following information regarding their securities lending policy: -ALF insists that all collateral be valued at 101% of the securites loaned -ALF only accepts cash and cash equivalents as collateral -ALF employs Melmac Inc. as their securities lending agent. Melmac is a wholly-owned subsidiary of ALF and fees charged are in-line with the industry Which, if any, of these policies should concern you? Select all that apply.

A. Collateral is valued at 101% of the securities loaned B. Melmac's charges are in-line with the industry C. Melmac is wholly owned by ALF D. ALF only accepts cash and cash equivalents as collateral