Kelly Lane Callahan

Risk factor is determined by special consideration and exception basis by quality, longevity, risk factor by usage of ratio by monetary streamline by basis of manual acceleration. Risk is not determined by volume which results in higher risk factors to the institution at a lower return and longer spectrum to outrun such risks. Risks would be considered of a self employed person with investment portfolios and relations to debt usage and performance. A moderate risk is determined by ability to perform at rate of return at a manageable ratio of additional 70percent saving to debt. A low risk is established by how depository account at institution is established by means of federal insured monies under disability, pension and securities who have the lowest risk to bank balance sheets it is a consistent stream of non management income which means it performs it cost the bank money to manager an account where the deposit fluctuates or inconsistent nor ability to know from the source of the deposit receive in for example fraudulent cashier checks or money orders, large cash deposits, non updated client profiles not linked within said regulatory system framework business personnel merchant payroll custodial portfolio inverstment which is high risk regardless of the balance in such depository account which cannot determine a basis of how funds are utilized for comparison in a data base of a course of only need two months to determine how client uses it funds in any depository. When bank alters system using pin debit opens risk up to client to be hacked and funds stolen from account (CITIBANK and CHASE and BANK AMERICA and UNION BANK and BMO under officers investigation including camel system FDIC fraud task force innovation CALIFORNIA) all accounts under a federal disability deposit account is to never be altered or blocked not threats to any customer with FEDERAL funds ever STATE UNDER SWEEP good luck BiG Five GOing Down Managers Staff