4. Where paragraphs 1, 2 or 3 do not apply, two or more natural or legal persons may be deemed to constitute a single risk because one of them, directly or indirectly, has control over the other or others, in any of, but not limited to, the following circumstances:
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(a)
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the natural or legal person has the right or ability to decide on the strategy or to direct the activities of another person or persons;
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(b)
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the natural or legal person has the right or ability to decide on important transactions, including the transfer of profits or losses of another person or persons;
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(c)
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the natural or legal person has the right or ability to coordinate the management of one or more legal persons.
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