In {HEAD ~ a third scenario}, in order to accelerate debits, the bank accelerates {TAIL ~ its depositors credits} 
In { HEAD ~ a third scenario } , in order to accelerate debits , the bank accelerates { TAIL ~ its depositors credits }
OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL TAIL