4. In the case of transfers of funds not exceeding EUR 1 000 that do not appear to be linked to other transfers of funds which, together with the transfer in question, exceed EUR 1 000, the payment service provider of the payee need not verify the accuracy of the information on the payee, unless the payment service provider of the payee:
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(a)
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effects the pay-out of the funds in cash or in anonymous electronic money; or
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(b)
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has reasonable grounds for suspecting money laundering or terrorist financing.
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