1. (a) Is incidental to or arises out of the transaction of such commercial banking business as the subject institution may lawfully transact at the subject office;
2. (b) Is to serve a specific purpose; and
3. (c) Is withdrawn within a reasonable period of time after such specific purpose has been accomplished.

No subject institution shall maintain any credit balance at a subject office other than a credit balance which:

Note: Authority cited: Section 215, Financial Code. Reference: Section 1755, Financial Code.