ANNEX III

the business relationship is conducted in unusual circumstances;

customers that are resident in geographical areas of higher risk as set out in point (3);

legal persons or arrangements that are personal asset-holding vehicles;

companies that have nominee shareholders or shares in bearer form;

businesses that are cash-intensive;

the ownership structure of the company appears unusual or excessively complex given the nature of the company's business;

is náisiúnach ó thríú tír é an custaiméir a dhéanann iarratas le haghaidh cearta cónaithe nó saoránachta sa Bhallstát mar mhalartú ar aistrithe caipitil, ceannach maoine nó bannaí rialtais, nó infheistíocht a dhéanamh in eintitis chorparáideacha sa Bhallstát sin.

private banking;

products or transactions that might favour anonymity;

gaolmhaireachtaí ghnó nó idirbhearta nach ndéantar duine le duine, gan cosaintí áirithe, amhail meáin ríomhaitheantais leictreonacha, seirbhísí ábhartha iontaobhais mar a shainítear i Rialachán (AE) Uimh. 910/2014 nó aon phróiseas eile sainaitheantais atá slán, cianda nó leictreonach rialáilte, aitheanta nó formheasta ag na húdaráis ábhartha náisiúnta nó a mbeidh glactha acu leis;

payment received from unknown or unassociated third parties;

new products and new business practices, including new delivery mechanism, and the use of new or developing technologies for both new and pre-existing products;

idirbhearta a bhaineann le hola, le hairm, le miotail lómhara, le táirgí tobac, le déantáin chultúrtha agus nithe eile a bhfuil tábhacht seandálaíochta, stairiúil nó chultúrtha agus reiligiúnach, nó tearcluach eolaíoch ag baint leo, chomh maith le heabhar agus speicis faoi chosaint.

without prejudice to Article 9, countries identified by credible sources, such as mutual evaluations, detailed assessment reports or published follow-up reports, as not having effective AML/CFT systems;

countries identified by credible sources as having significant levels of corruption or other criminal activity;

countries subject to sanctions, embargos or similar measures issued by, for example, the Union or the United Nations;

countries providing funding or support for terrorist activities, or that have designated terrorist organisations operating within their country.