Read the article some banks encourage over drafts reaping

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READ THE ARTICLE "SOME BANKS ENCOURAGE OVER DRAFTS, REAPING PROFIT" AND THEN ANSWER THE FOLLOWING QUESTIONS:

1. WHAT IS THE BENEFITS OF "OVERDRAFT PROTECTION" PROGRAMS TO DESPOSITOR?

2. HOW MAY THE "OVERDRAFT PROTECTION" PROGRAMS AFFECT THE CREDIT RISK THAT BANKS FACE?

3. HOW ARE "OVERDRAFT PROTECTION" RECORDED IN BANK BALANCE SHEETS?

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