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should also be designed to protect against the "fishing" of cash from the storage chest. The cash dispensing control and delivering mechanism (and, when applicable, cash deposit receipt mechanism) should be protected by steel, at least 1/2 inch in thickness, securely attached to the storage chest. A cash dispensing machine which also receives deposits should have a receptacle chest having the same burglary resistant characteristics as that of cash dispensing storage chest and should be designed to protect against the fishing and trapping of deposits. Necessary ventilation

for the automated machines should be designed so as to avoid significantly reducing the burglary resistance of the machines. The cash dispensing machine should also be designed so as to be protected against actuation by unauthorized persons, should be protected by a burglar alarm, and should be located in a well-lighted area. Alternatively, cash dispensing machines should be so designed and constructed as to afford at least equivalent burglary resistance. A cash dispensing machine which is used inside a bank's premises only during bank business hours, and which is empty of currency and coin at all other times, should at least provide safeguards against “jimmying," unauthorized opening of the storage chest door, and against actuation by unauthorized persons. (38 FR 27832, Oct. 9, 1973]

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APPENDIX B
PROPER EMPLOYEE CONDUCT DURING AND AFTE

A ROBBERY
With respect to proper employee conduct
during and after a robbery, employees should
be instructed-

(1) To avoid actions that might increase danger to themselves or others;

(2) To activate the robbery alarm system and the surveillance system during the robbery. If it appears that such activation can be accomplished safely;

(3) To observe the robber's physical features, voice, accent, mannerisms, dress, the kind of weapon he has, and any other char. acteristics that would be useful for identifcation purposes;

(4) That if the robber leaves evidence (such as a note) to try to put it aside and out of sight, if it appears that this can be done safely; retain the evidence, do not handle it unnecessarily, and give it to the police when they arrive; and refrain from touching, and assist in preventing others Irom touching, articles or places the robber may have touched or evidence he may have left, in order that fingerprints of the robber may be obtained;

(5) To give the robber no more money than the amount he demands and include "bait" money in the amount given;

(6) That if it can be done safely, to observe the direction of the robber's escape and the description and license plate number of the vehicle used, 11 any;

(7) To telephone the local police, if they have not arrived, and the nearest office of the Federal Bureau of Investigation, or in. form a designated oscer or other employee who has this responsibility that a robbery has been committed;

(8) That 11 the robber leaves before the police arrive, to assure that a designated officer or other employee waits outside the office, If it is safe to do so, to inform tho police when they arrive that the robber has left;

(9) To attempt to determine the names and addresses of other persons who witnessed the robbery or the escape and request them to record their observations or to assist a designated officer or other employee in recording their observations; and

1 It should be emphasized that this thickness is merely bullet-resistant and not bulletproof.

2 Vaults contracted for previous to this date should be constructed in conformance with all applicable specifications then in effect.

* The reinforced concrete should have: two grids of #5 (5/8" diameter) deformed steel bars located in horizontal and vertical rows in each direction to form grids not more than 4 inches on center; or two grids of expanded steel bank vault mesh placed parallel to the face of the walls, weighing at least 6 pounds per square foot to each grid, having a diamond pattern not more than 3'' x 8''; or two grids of any other fabricated steel placed parallel to the face of the walls, weighing at least 6 pounds per square foot to each grid and having an open area not exceeding 4 inches on center. Grids are to be located not less than 6 Inches apart and staggered in each direction. The concrete should develop an ultimate compression strength of at least 3,000 pounds per square inch.

• Equivalent burglary-resistant materials for vaults do not include the use of a steel lining, either inside or outside a vault wall, in lieu of the specified reinforcement and thickness of concrete. Nonetheless, there may be instances, particularly where the construction of a vault of the specified reinforcement and thickness of concrete would require substantial structural modification of an existing building, where compliance with the specified standards would be unreason

able in cost. In those instances, the bank should comply with the procedure set forth in $ 326.3(C) of Part 326.

6 Equivalent burglary-resistant materials for night depositories include the use of 44 inch steel plate encased in 6 inches or more of concrete or masonry building wall.

• Equivalent burglary-resistant materials for cash dispensing machines include the use of 3 inch thick nickel stainless steel meet. ing American Society of Testing Materials (ASTM) Designation A 167–70, Type 304, in place of 1 inch thick steel, 11 other criteria are satisfied.

(10) To refrain from discussing the detalls of the robbery with others before recording the observations respecting the robber's physical features and other characteristics as hereinabove described and the direction of escape and description of vebiclo used, 11 any.

PART 327-ASSESSMENTS Sec. 327.1 Reporting of assessment base addi.

tions for unposted credits and

deductions for unposted debits. 827.2 Classification of deposits. 327.3 Payment of assessments by banks

whose insured status bas termi.

nated. 827.4 Time of payment.

AUTHORITY: The provisions of this part 827 issued under secs. 7-9, 64 Stat. 877– 882, secs. 7, 8, 74 Stat. 646-551; 12 U.S.C. 1817–1819.

SOURCE: The provisions of this Part 327 appear at 26 F.R. 287, Jan. 14, 1961, unless otherwise noted.

NOTE: All the provisions of Part 327 (including the Corporation's Assessment Decisions Nos. 1-167 in 8$ 327.100-327.267) which were in effect immediately prior to the revi. sion of this part at 26 F.R. 287, Jan. 14, 1961, remain applicable to the determination and payment of assessments due on or before Jan. 15, 1961. § 327.1 Reporting of assessment base

additions for unposted credits and

deductions for unposted debits. (a) Definitions. (1) The term "un. posted credit" as used in this section means any deposit received in any office of the bank for deposit in any other office of the bank located in any State of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, or the Virgin Islands, except those which have been included in total deposits in the report of conditions or which have been offset in the report of condition by an equal amount of cash items in its possession drawn on itself (on the same type of deposits as those offset) and not charged against deposit liabilities at the close of business on the date as of which the report of condition is made.

(2) The term “unposted debit” as used in this section means a cash item in the bank's possession drawn on itself which has been paid or credited and is chargeable against, but has not been charged against, deposit liabilities at the close of business on the date as af which the report of condition is made.

(3) The above terms "unposted credit" and "unposted debit" do not include items which have been reflected in deposit accounts on the general ledger and in the report of condition, although they have not been credited or debited to individual deposit accounts.

(b) Methods of reporting unposted credits and unposted debits. (1) Each insured bank shall report unposted credits in reports of condition for addition to the assessment base in the following manner:

(i) When the records of the bank show the actual amounts of unposted credits segregated between demand deposits and time and savings deposits, the actual segregated amounts thereof must be reported; or

(i) When the records of the bank show the actual amount of all unposted credits with no such segregation thereof, the actual amount thereof must be reported, for addition to time and savings deposits, unless the bank determines by experience factors and reports the amounts of the unposted credits so segregated; or

(iii) When the records of the bank do not show the actual amount of unposted credits either in total or in segregated amounts, the amounts of unposted credits must be determined by experience factor or factors and reported in total amount for addition to time and savings deposits or in segregated amounts.

(2) Unposted debits may be reported in the same manner for deduction from the assessment base, except that unsegregated amounts may be reported by deduction only from demand deposits.

(c) Bank reporting actual amounts. When actual amounts are shown on the records of the bank, an insured bank shall separately state in the report of condition for additions to deposits for assessment purposes the actual amount of unposted credits in Schedule FDI either segregated between demand deposits and time and savings deposits according to the type of account to which the item is to be credited, or the total amount shall be reported for additions to time and savings deposits. If the bank elects to take deductions for unposted debits chargeable to deposit accounts and actual amounts are shown on the records of the bank, it shall separately state in the report of condition the actual amounts of the unposted debits either segregated between demand

deposits and time and savings deposits according to the type of account against which the items are chargeable, or the total amount shall be reported for deductions from demand deposits. When only the total amount of such unposted credits or unposted debits is shown on the records of the bank, the bank may elect to determine by experience factors such segregated amounts for either unposted credits or unposted debits or both.

(d) Bank reporting on basis of experience factor. An insured bank whose records do not show the amounts of unposted credits and unposted debits shall compute by experience factor or factors the unposted credits and may so compute the unposted debits. Banks with two years' experience an January 1, 1961 may establish an experience factor or factors under paragraph (f) of this section, or, upon application to and approval by the Corporation, may establish an experience factor or factors under paragraph (g) of this section, the same as banks with less than two years' experience. Such a bank, upon written approval by the Corporation, may be permitted to use separate factors for computing the additions to demand deposits and to time and savings deposits, or for computing the deductions from such deposits; or may be permitted to use a single factor for computing additions to be made in total amount to time and savings deposits or for computing deductions to be made in total amount from demand deposits. When a single factor is used, the additions or deductions are required to be made to or from the type of deposit giving the lesser advantage to the bank in taking the 1623 percent deduction from demand deposits and the 1 percent deduction from time and savings deposits.

(e) Procedure for obtaining approval of experience factor. Each bank operating as an insured bank prior to January 1, 1961, which intends to use an experience factor in computing the amounts of unposted credits or unposted debits, shall signify its intention in writing to the Corporation not later than March 1, 1961. Any bank becoming an insured bank on or after January 1, 1961, whose records do not show amounts of unposted credits and unposted debits, and which proposes to report such items for assessment purposes by means of experience factors, shall so inform the Corporation within thirty (30) days after it becomes

an insured bank. Upon receipt of such notice, the Corporation will furnish to the bank a form for use in submitting to the Corporation the computations used in determining the percentage factor. Upon approval by the Corporation of such experience factors, the bank shall thereafter use such factors in reporting unpostea credits or debits until new experience factors are established pursuant to paragraph (k) of this section.

(f) Experience factors for banks with not less than two years' experience on January 1, 1961. (1) The reporting bank may use either of the following experience factors in reporting unposted credits for addition to the assessment base:

(i) Separate experience factors for additions to demand deposits and to time and savings deposits. The factor for:

(a) Demand deposits shall be the percentage obtained by dividing the average amount of unposted credits creditable to demand deposits which were added to deposits in certified statements for the assessment base days in the last two years prior to January 1, 1961, by the average amount of total demand deposits shown on the books of the bank on such base days; and

(b) Time and savings deposits shall be the percentage obtained by dividing the average amount of unposted credits creditable to time and savings deposits which were added to deposits in the certified statements for the assessment base days in the last two years prior to January 1, 1961, by the average amount of total time and savings deposits shown on the books of the bank on such base days. There shall be separately stated in the report of condition for addition to demand deposits for assessment purposes, the amount obtained by multiplying the amount of total demand deposits shown in the report of condition by the factor for demand deposits, and for addition to time and savings deposits for assessment purposes the amount obtained by multiplying the amount of total time and savings deposits shown in the report of condition by the factor for time and savings deposits. In the event that the records of the bank show the total amount of unposted credits which were added to deposits in certified statements for the assessment base days in the last two years prior to January 1, 1961, but do not show the amounts thereof segregated as to those creditable to demand

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deposits and to time and savings deposits, base days in the last two years prior to the bank may determine such segregated January 1, 1961, or, if not claimed as a amounts for use in determining its sepa deduction thereunder, the amount of rate experience factors hereunder, in the such unposted debits deducted from defollowing manner: The bank shall ascer. posit liabilities before entry in such tain the percentage to total unposted certified statements, by the average credits, of the unposted credits which amount of total time and savings deare creditable to demand deposits, and posits shown on the books of the bank the percentage to total unposted credits, on such base days. of the unposted credits which are creditable to time and savings deposits, for the

There shall be separately stated in the business days in the week commencing

report of condition for deduction from on March 15, 1961 and ending on March

demand deposits for assessment pur21, 1961, both days inclusive, and shall

poses, the amount obtained by multiplyapply such percentages to the average

ing the amount of total demand deposits amount of all unposted credits which

shown in the report of condition by the were added to deposits in such certified

factor for demand deposits, and for de

duction from time and savings deposits statements. (ii) Single experience factors. The

for assessment purposes the amount obfactor shall be the percentage obtained

tained by multiplying the amount of by dividing the average amount of all

total time and savings deposits shown unposted credits which were added to de

in the report of condition by the factor posits in certified statements for the

for time and savings deposits. In the

event that the records of the bank show assessment base days in the last two years prior to January 1, 1961, by the

the total amount of unposted debits average amount of total deposits shown

which were claimed as deductions in on the books of the bank for such base

certified statements for the assessment days. There shall be separately stated

base days in the last two years prior to in the report of condition for addition

January 1, 1961 or deducted from deposit to time and savings deposits for assess

liabilities before entry in such certified ment purposes, the amount obtained by

statements, but do not show the amounts multiplying the amount of total deposits

thereof segregated as to those chargeable shown in the report of condition by such

to demand deposits and to time and savfactor.

ings deposits, the bank may determine (2) The reporting bank may use either

such segregated amounts for use in deof the following experience factors in

termining its separate experience factors reporting unposted debits for deduction

hereunder, in the following manner: The

bank shall ascertain the percentage to from the assessment base: (i) Separate experience factors for de.

total unposted debits, of the unposted ductions from demand deposits and from

debits which are chargeable to demand time and savings deposits. The factor

deposits, and the percentage to total for:

unposted debits, of the unposted debits (a) Demånds deposits shall be the per

which are chargeable to time and savcentage obtained by dividing the average

ings deposits, for the business days in the amount of unposted debits chargeable to

week commencing on March 15, 1961 and demand deposits which were claimed as

ending on March 21, 1961, both days in

clusive, and shall apply such percentages deductions in the certified statements for the assessment base days in the last two

to the average amount of all unposted

debits which were claimed as deductions years prior to January 1, 1961, or, if not claimed as a deduction thereunder, the

in such certified statements or deducted

from deposit liabilities before entry in amount of such unposted debits de

such certified statements. ducted from deposit liabilities before entry in such certified statements, by the

(ii) Single experience factor. The

factor shall be the percentage obtained average amount of total demand deposits shown on the books of the bank on such

by dividing the average amount of all base days; and

unposted debits which were claimed as (b) Time and savings deposits shall

deductions in the certified statements

for the assessment base days in the last be the percentage obtained by dividing the average amount of unposted debits two years prior to January 1, 1961, or if chargeable to time and savings deposits

not claimed as a deduction thereunder, which were claimed as deductions in the the amount of unposted debits deducted certified statements for the assessment from deposit liabilities before entry in

such certified statements, by the aver dition by the factor for time and savings age amount of total deposits shown on deposits for such semiannual period. the books of the bank on such base (ii) Single experience factor. The days. There shall be separately stated factor for each semiannual period shal in the report of condition for deduction be the percentage obtained by dividing from demand deposits for assessment the amount of all unposted credits on purposes, the amount obtained by multi March 15, 1961 and thereafter on the first plying the amount of total deposits business day of February or August by shown in the report of condition by such the total deposits as shown on the books factor. If the amount of deductions SO of the bank at the close of business on obtained exceeds demand deposits, the the same day. The bank shall determine, excess thereof may be deducted from on March 15, 1961 and thereafter on the time and savings deposits.

first business day of February or August (g) Experience factors for banks with until two years' experience has been obless than two years' experience. (1) The tained, the actual amount of all unposted reporting bank may use either of the credits. There shall be separately stated following experience factors in reporting in each report of condition for addition unposted credits for addition to the to time and savings deposits for assessassessment base for two years:

ment purposes, the amount obtained by (i) Separate experience factors for ad multiplying the amount of total deposits ditions to demand deposits and to time shown in the report of condition by the and savings deposits. The factor for factor for such semiannual period. each semiannual period for:

(iii) Permanent experience factor. (a) Demand deposits shall be the per When two years' experience has been obcentage obtained by dividing the amount tained under this paragraph, a new facof unposted credits on March 15, 1961 tor shall be computed and used for the and thereafter on the first business day ninth and subsequent reports of condiof February or August which are credit tion. This factor shall be the percentage able to demand deposits by the amount obtained by dividing the aggregate of total demand deposits as shown on amount of the unposted credits by the the books of the bank at the close of aggregate amount of the deposits, which business on the same day; and

were used in establishing each factor for (b) Time and savings deposits shall the four preceding semiannual periods. be the percentage obtained by dividing (2) Reporting bank may use either of the amount of unposted credits on March the following experience factors in re15, 1961 and thereafter on the first busi porting unposted debits for deduction ness day of February or August which are from the assessment base for two years: creditable to time and savings deposits (i) Separate experience factors for by the amount of total time and savings demand deposits and for time and savdeposits as shown on the books of the

ings deposits. The factor for each semibank at the close of business on the annual period: same day.

(a) Demand deposits shall be the perThe bank shall determine, on March centage obtained by dividing the amount 15, 1961 and thereafter on the first busi of unposted debits on March 15, 1961 ness day of February or August until and thereafter on the first business day two years' experience has been obtained, of February or August which are the actual amount of unposted credits

chargeable to demand deposits by the segregated according to the type of ac

amount of total demand deposits as count to which creditable. There shall be separately stated in each report of

shown on the books of the bank at the condition for addition to demand de

close of business on the same day; and posits for assessment purposes, the

(b) Time and savings deposits shall amount obtained by multiplying the

be the percentage obtained by dividing amount of total demand deposits shown the amount of unposted debits on March in the report of condition by the factor 15, 1961 and thereafter on the first busifor demand deposits for such semi ness day of February or August which annual period, and for addition to time are chargeable to time and savings deand savings deposits for assessment pur posits by the amount of total time and poses the amount obtained by multiply savings deposits as shown on the books ing the amount of total time and savings of the bank at the close of business on deposits shown in each report of con the same day.

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