| http://www.w3.org/ns/prov#value | - For example, if the institution] ???If a financial institution ???offers three types of checking accounts, and the institution has [such] a policy and practice ???of declining to authorize and pay any ATM or one-time debit card transactions when it has a reasonable belief that the consumer does not have sufficient funds to cover the transaction ???with respect to only one of the three types of acc
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