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I 2007 Money Laundering Regulation 2007 MLR2007 (a) MLR2007 6 (1) body corporate 25% (2) partnership (other than a limited liability partnership) 25% 25% (3) trust 25% (4) legal entity or legal arrangement 25% 25% (5) 1

(b) MLR2007 5(b) 2 MLR2007 7(3) (a) (b) (a) (d) MLR2007 7(1) (a) (b) (c) (d) MLR2007 13(1) MLR2007 13(7) (a) 1,000 2,500 (b) (c) 2

(d) 1999 1995 (i) 150 (ii) 2,500 1,000 MLR2007 13(8) 2 3 (a) (b) EU EU (c) (d) (i) 1,000 2,500 (ii) 15,000 (iii) 15,000 (e) (f) (i) (ii) 3

(iii) 2004 child trust fund MLR2007 13(9) MLR2007 13(1) EU EU MLR2007 13(2) a regulated market subject to specified disclosure obligations MLR2007 13(3) pooled account the institution which acts as a depository institution for the account MLR2007 13 (4) MLR2007 13(5) MLR2007 13 (6) (a) EU the Treaty on the European Union OJ No C 325, 24.12.2002, p. 5. the Treaties on the European Communities Community secondary legislation the authority (b) identity (c) (d) 4

MLR2007 7(1) civil penalties MLR2007 42(1) MLR2007 45(1) (a) (b) 2 officer MLR2007 47(1) 5

JMLSG Joint Money Laundering Steering Group 1 JMLSG FSA FSA Handbook JMLSG FATF FATF other enforceable means 2 JMLSG MLR2007 25 verify 5.3.9 verification 5.3.11 1 JMLSG, Prevention of money laundering / combating terrorist financing, Guidance for the UK financial sector, (ammended: December 2011) http://www.jmlsg.org.uk/industry-guidance/article/guidance 2 FATF, Mutual Evaluation Fourth Follow-Up Report: United Kingdom, (16 October 2009) paragraph 12. 6

JMLSG 5.3.8 5.3.13 5.3.8 (private individual) (beneficial owner) (beneficial owners) (enquiry) 5.3.9 ML (body corporate) 25% ( (trusts) 25% ) (identified) (verify) 5.3.10 5.3.8 (fronting) 5.3.115 5.3.11 ML (verification) (independent source) ( ) 5.3.12 7

( ) 5.3.13 (arrangements) (class of persons) (5.3.24ff ) (class) 8

2010 2010 8 2 Royal Bank of Scotland Group The Royal Bank of Scotland Plc National Westminster Bank Plc Ulster Bank Limited Coutts & Company 5,600,000 8,000,000 30% http://www.fsa.gov.uk/pubs/other/rbs_group.pdf 2012 3 23 Coutts & Company RBS FSA 61 11 8,750,000 12,500,000 30% http://www.fsa.gov.uk/static/pubs/final/coutts-mar12.pdf 9

2012 7 26 Turkish Bank (UK) Ltd 6 PEP 3 294,000 420,000 30% http://www.fsa.gov.uk/static/pubs/final/turkish-bank.pdf 3 Politicaly Exposed Person 10

MLR2007 8 (1) a business relationship ongoing monitoring (2) (a) the source of funds his business and risk profile (b) up-to-date MLR2007 8(3) MLR2007 8(1) (3) MLR2007 42(1) MLR2007 45(1) 11

6 JMLSG JMLSG business relationship 5.3.21 5.3.22 source origin 5.3.23 JMLSG 5.3.21 5.3.22 12

5.3.21 5.3.22 : (occupation) (employment) source origin 5.3.23 5.3.24 5.3.23 5.3.24 13

2010 2010 5 5 Alpari (UK) Limited Sudipto Chattopadhyay Alpari Chattopadhyay PEP 4 Alpari PEP Alpari Alpari 140,000 200,000 30% Chattopadhyay 14,000 20,000 30% CF10 CF11 3 http://www.fsa.gov.uk/pubs/final/alpari.pdf http://www.fsa.gov.uk/pubs/final/chattopadhyay.pdf 4 Political Exposed Person 3 14

2010 8 2 Royal Bank of Scotland Group The Royal Bank of Scotland Plc National Westminster Bank Plc Ulster Bank Limited Coutts & Company 5,600,000 8,000,000 30% http://www.fsa.gov.uk/pubs/other/rbs_group.pdf 2012 3 23 Coutts & Company RBS PEP 5 8,750,000 12,500,000 30% http://www.fsa.gov.uk/static/pubs/final/coutts-mar12.pdf 5 Political Exposed Person 3 15

2012 7 26 Turkish Bank (UK) Ltd 6 294,000 420,000 30% http://www.fsa.gov.uk/static/pubs/final/turkish-bank.pdf 16

II (a) L.561-2-2 25 R.561-1 25 R.561-2 2 25 R.561-3 25 17

60 1 2 50 3 1 60 3 1 50 3 30 (b) L561-5 R.561-7 5 L.561-12 L.561-5 L.561-5 1 15,000 2 18

R561-10 Autorité de Contrôle Prudentiel ACP L.561-9 R.561-16 1 1,000 2,500 2 3 4 5 250 1 2,500 2,500 6 15,000 EU 7 4,000 EU 19

8 8000 EU 9 15,000 R.561-15 1 a EU b EU c EU 3 EU 2 EU 20

Commission nationale des sanctions L.561-37 L561-40 1. 2. 3 5 4 5 2 2 500 21

2011 1 2013 1 10 Banque Populaire Côte d Azur 2008 500,000 http://www.acp.banque-france.fr/fileadmin/user_upload/acp/publications/re gistre-officiel/20130111-decision-de-la-commission-des-sanctions.pdf 22

2012 10 24 établissement de crédit A A 500,000 http://www.acp.banque-france.fr/fileadmin/user_upload/acp/publications/re gistre-officiel/20121107-decision-de-la-commission-des-sanctions.pdf 2012 6 29 Banque Populaire des Alpes 200,00 http://www.acp.banque-france.fr/fileadmin/user_upload/acp/publications/re gistre-officiel/20120705-decision-de-la-commission-des-sanctions.pdf 23

FATF 5.7.1 FATF 5.7.1 L561-6 2 L561-10-2 1 2 FATF 5.7.2 FATF 5.7.2 24

L.561-6 2 6 1 - - - - 2 a) - - - - b - - - - 6 R 561-12 2009 9 2 25

R.561-12 2 R.561-11 Commission nationale des sanctions L.561-37 L561-40 26

2011 1 2013 1 10 Banque Populaire Côte d Azur A 12 2 500,000 http://www.acp.banque-france.fr/fileadmin/user_upload/acp/publications/re gistre-officiel/20130111-decision-de-la-commission-des-sanctions.pdf 27

2012 6 29 Banque Populaire des Alpes 1 1 200,00 http://www.acp.banque-france.fr/fileadmin/user_upload/acp/publications/re gistre-officiel/20120705-decision-de-la-commission-des-sanctions.pdf 2011 1 24 Caisse de Crédit municipal de Toulon 150,000 http://www.acp.banque-france.fr/fileadmin/user_upload/acp/publications/re gistre-officiel/201101-ccmt-decision-de-l-acp.pdf 28

III 1993 1 11 1993 1993 8 1 (a) 1993 8 2 1. 25 EEA EU 2. 29

25 17 (b) 10,000 1993 8 3 1993 7 1 1993 7 1 1993 8 FIU CTIF-CFI Cellule de Traitement des Informations Financières - Cel voor Financiële Informatieverwerking 1993 8 4 1993 7 1. 2. a) 10,000 b) EC 30

1781/2006 2006 11 15 1,000 i. ii. iii. iv. c) a b 1993 11 2 a) 1,000 2,500 b) c) d) 2009 12 21 4 1 33 250 12 2500 12 1,000 1993 7 8 e) EU 2006/70/CE 3.3 1993 11 31

a) EEA EU EU 2005/60/EC 2 b) EU 2004/39/CE EU EU c) EEA d) e) f) EU 2006/70/CE 3.2 1993 40 a) b) 250 125 CTIF-CFI 32

FATF 5.7.1 FATF 5.7.1 1993 14 1) 2) FATF 5.7.2 1993 7 3 34

1993 8 2 1993 40 2010 2 1 CTIF 50,000 2010 2 12 7 1 20,000 7 http://www.nbb.be/doc/cp/fr/sanc/pdf/2010-02-12_kredietinstellingx.pdf 35

50,000 2010 2 12 8 10,000 CTIF 8 http://www.nbb.be/doc/cp/fr/sanc/pdf/2010-02-12_kredietinstellinga.pdf 36

IV 2008 6 5 25/2008 25/2008 25/2008 7 4 (a) 25/2008 2 5) a) i) 25 EU ii) b) i) 25 37

ii) iii) 25 17 (b) 26/2005 26/2005 2.2 26/2005 5.1 25/2008 8 1 25/2008 25 1 a) 150 38

1 2,500 1 1,000 b) 1,000 2,500 c) d) 25/2008 11 1 a) EU EU b) EU EU c) d) EU e) Agência de Gestão da Tesouraria e da Dívida Pública 25/2008 53 a 25/2008 46 2 5,000 250 1 2,500 125 25/2008 54 39

25/2008 55 a) 3 b) 3 c) 40

FATF 5.7.1 FATF 5.7.2 25/2008 9 1 a) b) c) d) e) 25/2008 53 d 41

V Monetary Authority Act of Singapore Act 27B Monetary Authority Act of Singapore MAS 626 626 9 626 4.14 (a) 626 2.1 beneficial owner body corporate or unincorporate (b) 626 4.15 626 4.16 9 626 subsidiary legislation FATF law ore regulation FATF other enforceable means FATF, Mutual Evaluation Second Follow-Up Report: Singapore, 25 February 2011, p.84. 43

626 4.2 (a) business relationship (b) 20,000 (c) (d) 626 4.17 (a) (b) (c) (d) (e) MAS MAS (f) FATF AML/CFT (g) (e) (f) 626 27B direction 27B (1) direction 626 regulations 100 1 10 27B (2) 44

MAS 10 27B 626 10 http://www.mas.gov.sg/home/news%20and%20publications/enforcement%20actions.aspx 45

626 626 4.20 FATF 5.7.1 FATF 5.7.1 626 4.21 conduct 4.22 4.23 4.22 FATF 5.7.2 FATF 5.7.2 46

626 4.24 626 MAS 11 27B 626 11 10 47

VI FATF40 9 5 FIU Financial Crimes Enforcement Network FinCEN 2012 2 29 advance notice of proposed rulemaking 12 (a) (1) (a) (b) (a) 25 (b) (a) (2) (b) 12 Department of the Treasury, Financial Crimes Enforcement Network, Customer Due Diligence Requirements for Financial Institutions, 77 FR 13046 (March 5, 2012). http://www.regulations.gov/#!docketdetail;d=fincen-2012-0001;dct=fr%252bpr%252b N%252BO%252BSR. 48

2 FinCEN FinCEN payable-through-account 13 31 CFR 1010.620(b)(1), 31 CFR 1010.610(b)(1)(iii)(A) 14 FinCEN 15 13 14 FIN-2010-G001, Guidance on Obtaining and Retaining Beneficial Ownership Information, (March 5, 2010). 15 31 CFR 1020.300(6)(b) 49

FinCEN Bank Secrecy Act 31 U.S.C. 5318(h)(2), 31 USC 5318(a)(2) FinCEN civil penalty criminal penalty 31 CFR 1010.820, 1010.840 FinCEN CDD program rule FinCEN civil penalty criminal penalty 31 CFR 1010.820, 1010.840 50