| 摘要 |
Immediate use of a borrower's loan proceeds is obtained by establishing a bank account in a lending institution, the account dedicated exclusively to a debit card program, executing a monetary lending proceeding resulting in availability of the loan proceeds to the borrower, issuing a first financial instrument representing a first portion of the loan proceeds, wherein use of funds represented by the first financial instrument is delayed over a time period of at least 72 hours; and issuing a second financial instrument representing a second portion of the loan proceeds, wherein use of funds represented by the second financial instrument is delayed over a time period of not more than three hours.
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