I was told by one examiner that if we were to use the Repeated Overdraft exception reason for one customer then we need to use it for all customers who would fit that category - in other words, once you determine that one deposit account holder who overdraws six times in six months (or whatever the parameters are) is a repeat overdrafter and deposits are subject to holds then EVERYONE who falls in that category becomes a repeat overdrafter and their deposis are held.....
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The paradox of planning is nothing happens....