Which of the following individual clients require CRC (Client Review Committee) approval?
a. Individual with AUM of USD 3m in a country where there is private banking presence
b. Individual with AUM of USD 7m in a country where there is no private banking presence
c. Individual with approved limit for mortgage of USD 5m in private banking presence's country
d. Individual with approved limit for mortgage USD 5m in non private banking presence's country