END NOTES
13. 31 U.S.C.§ 5318 (i) (3) (A, B) provides as follows:
MINIMUM STANDARDS FOR PRIVATE BANKING ACCOUNTS? If a private banking account is requested or maintained by, or on behalf of, a non?United States person, then the due diligence policies, procedures, and controls required under paragraph (1) shall, at a minimum, ensure that the financial institution takes reasonable steps–
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