INDICATORS FOR RECOGNISING SUSPICIOUS TRANSACTIONS RELEVANT FOR VOLUNTARY PENSION FUND MANAGEMENT COMPANIES 1. A client - natural person who is a member of a voluntary pension fund is unemployed and pays contributions for himself/herself based on the membership contract exclusively by paying in money either through a massive lump-sum payment or successively on monthly, quarterly or six months basis, that is, in line with the agreed contribution payment plan. 2. A client is a natural person who has made a contract obliging him/her to pay money in the fund to the benefit of numerous members of the fund who are not connected to the client by any family ties. 3. A client - a fund member, domestic and foreign national approaching the age of 58, pays in significant amounts to the voluntary person fund and informs the staff he/she is planning to withdraw the pooled funds as soon as he/she turns 58 (which is the minimal age limit to be allowed to withdraw the pooled funds) although a positive trend in the growth of worth of an investment unit is expected. 4. Clients - contributors - legal persons, employers or organisers pay in significant amounts as contributions for natural persons approaching the age of 58 and inform the staff these beneficiaries are planning to withdraw the pooled funds as soon as they turn 58(which is the minimal age to be allowed to withdraw the pooled funds) although a positive trend in the growth of worth of an investment unit is expected. 5. Clients - domestic and foreign natural and legal persons - contributors who pay in contributions to a voluntary pension fund to the benefit of the fund members approaching the maximum age limit (70 years of age) to be allowed to withdrew the pooled funds from a pension fund. 6. A client who is a fund member attempts to get the money from the voluntary pension fund before it turns 58 by submitting documentation on surreally high costs of medical treatment or by falsifying documentation on permanent working disability, so as to be allowed to withdrew and dispose of the pooled funds. 7. Payments of contributions to the benefit of a voluntary pension fund members are executed by a legal person or an employer for whom it has been established, or it is suspected, that it does not employ the fund members or that the fund members are not its founders or managers. 8. A client who is a fund member or wants to sign a contract with a voluntary pension fund management company has bad reputation in the country. 9. A client - a fund member - who is a domestic or foreign national pays in contributions to the voluntary pension fund in his/her own name, or in the name of certain fund members, by sending transfers from banks in offshore destinations, the countries which do not implement AML/CFT standards or the countries with strong bank secrecy regulations in force. The lists of such countries can be found on the website of the Administration for the Prevention of Money Laundering. Article 10 Contributions to the benefit of certain members of a fund are paid in by a newly founded company whose business operations are dubious.