Subject: RE: Account 35266976 Overdraft for 8 days- ACTION REQUIRED [I] From: Melinda Roy <[email protected]> Date: Mon, 21 Mar 2016 11:17:14 -0400 To: Armen Brash <[email protected]> Cc: Jj Litchford <[email protected]>, Stewart Oldfield ‹ > Classification: For internal use only Thank you. Sorry for the confusion. JJ is coming in this afternoon to take care of it. From: Armen Brash Sent: Monday, March 21, 2016 11:16 AM To: Melinda Roy Cc: Jj Litchford; Stewart Oldfield Subject: RE: Account 35266976 Overdraft for 8 days- ACTION REQUIRED [I] Classification: For internal use only Fee waiver approved... Last week—I sent the below email to Paul: "Paul This account is still open...it hasn't been closed yet. Is the transaction that overdrew the account a good transaction? If so, it should be covered from the new account, and then the account should be closed. If the transaction that overdrew it was fraudulent, then the fraud procedures need to be followed so we can grant a provisional credit, then the account should be closed once the investigation is complete and the credit is made final (or assets recovered)."" EFTA01403022