This advances the availability of funds to the depositor but also {HEAD ~ the settlement} of other institutions to {TAIL ~ the bank} 
to
This advances the availability of funds to the depositor but also { HEAD ~ the settlement } of other institutions to { TAIL ~ the bank }
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH REL TAIL TAIL TAIL TAIL TAIL TAIL