The following factors may contribute to increasing risk:

a) The customer’s behaviour, for example:

i. the rationale for the investment lacks an obvious economic purpose;

ii. the customer asks to repurchase or redeem a long-term investment within a short period after the initial investment or before the payout date without a clear rationale, in particular where this results in financial loss or payment of high transaction fees;

iii. the customer requests the repeated purchase and sale of shares within a short period of time without an obvious strategy or economic rationale

iv. unwillingness to provide CDD information on the customer and the beneficial owner;

v. frequent changes to CDD information or payment details;

vi. the customer transfers funds in excess of those required for the investment and asks for surplus amounts to be reimbursed;