(a) establishing business relations with a new or existing customer;

(b) a change to the signatory or beneficiary of an existing account or business relationship is made;

(c) a significant transaction takes place;

(d) there is a material change in the way that the bank account is operated or in the manner in which the business relationship is conducted;

(e) customer documentation standards change substantially;

(f) the Islamic bank licensee has doubts about the veracity or adequacy of previously obtained customer due diligence information;

(g) carrying-out one-off or occasional transactions above BD 6,000, or where several smaller transactions that appear to be linked fall above this threshold; or

(h) carrying out wire transfers irrespective of amount;

(h) there is a suspicion of money laundering or terrorist financing.