Which three criteria does a shell bank meet according to the Wolfsberg Principles on Correspondent Banking? Choose 3 answers.

Which three criteria does a shell bank meet according to the Wolfsberg Principles on Correspondent Banking? Choose 3 answers.
A . It does not conduct business at a fixed address in a jurisdiction in which it is authorized to conduct business.
B. It does not employ one or more individuals at its fixed address where it is authorized to conduct business or maintain operating records at that address
C. It is not subject to AML laws that require it to implement an AML program
D. It is not subject to inspection by the banking authority that licensed it to conduct banking activities

Answer: A,B,C