This is a good question. I'd say the two main reasons are agent issues, since you'd want to keep the agents up-to-date, and application upgrades, since that would likely require upgrading the agents as well.
I'm a bit confused by this question. Is database issues really a valid reason to upgrade the agents? That doesn't seem quite right to me. I'll have to double-check my understanding.
I've got this! Based on the information provided, the bank must conduct an annual review for Beta and Zeta to determine their continuing eligibility for exemption. Alpha's exemption is based on its stock listing, which doesn't require an annual review.
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