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