WorksheetsATM-KRB
Total questions: 49
Worksheet time: 25mins
Name
Class
Date
1.
Before invoking "Evacuation Cash" option through CDM you find that, the balance shown in supervisory slip is greater than the physical cash. What is the course of action do you adopt?
a)
Accept the cash for credit of BGL 3198 account.
b)
Report short cash in CDM through the CDM Screen
c)
Accept the cash for credit of BGL 3198 and debit Suspense Account for the short fall see that BGL 3198 account shows zero balance.
d)
Report short cash through the CDM Screen and use evacuation option through Cash Evacuation Menu through CDM.
2.
When you are about to invoke evacuation option through CDM, you find that, the balance shown in supervisory slip is less than the physical cash. What is the course of action do you adopt?
a)
Accept the cash for credit of BGL 3198 account.
b)
Report excess cash in CDM through the CDM Screen
c)
Accept the cash for credit of BGL 3198 and credit Sundry Deposit Account for the excess amount to see that BGL 3198 account shows zero balance.
d)
Report excess cash through CDM Screen, and then invoke "Cash Evacuation" option through CDM Screen.
3.
You have reported Short Cash through CDM Screen, and invoked "Cash Evacuation Option. To which account you have to credit the Evacuated Cash?
a)
Credit BGL Account 3198 - Cash Point Cash Balance Account
b)
Credit BGL Account No. 4599273 Cash Point Short Cash Account
c)
Credit BGL Account No. 4599270 Cash Point Admin Decrease Account
d)
Credit BGL Account No. 4599269 Cash Point Cash Intermediate Account.
4.
You have reported Excess Cash through CDM Screen, before invoking "Cash Evacuation" option. To which account, we have to credit the Evacuated Cash.
a)
Credit BGL Account No. 3198 - Cash Point Cash Balance Account
b)
Credit BGL Account No.4599270 Cash Point Admin Decrease Account
c)
Credit BGL Account No.4599269 Cash Point Cash Intermediate Account
d)
Credit BGL Account No.4599272 Cash Point Excess Cash Found Account
5.
A valuable customer of your branch comes to you and informs that, previous day night around 11.00 PM he withdrew through ATM for Rs.10,000/- without verifying the balance in his account which was insufficient to do the transaction. But the transaction was successful. However, his account was not debited for the transaction. Now he is ready to credit the required amount to his account asks you to adjust the ATM transaction amount. Which Account will you Credit for reconciliation?
a)
ATM Cash Balance Account 3198
b)
ATM Cash Intermediate Account 3199842
c)
ATM Cash Disbursed, A/C Not Debited Suspense A/c 98581
d)
Account Debited Cash Not Disbursed A/c 98582
6.
Ms. Annapurna, Branch Manager was verifying the Audit BGL Account Report. Her branch is having two onsite ATMs. She found that, there was a Debit Balance of Rs.5,00,000/- in ATM Cash Intermediate Account 3199842. What is the action to be initiated?
a)
Ask the Service Manager to credit unused cash immediately to 3199842 ATM Cash Intermediate Account.
b)
Ask the reason from both the Joint Custodians for not replenishing the cash in the ATM the previous day
c)
Ask the joint custodians to credit the cash immediately to 3199842 ATM Cash Intermediate A/C and ask for explanation for not depositing the unused cash the previous day.
d)
Report the matter to Controlling Authority and seek guidance
7.
Mr. Sunil Babu, Service Manager has generated an ATM Cash Replenishment entry wrong entry for Rs.30 lakhs, instead for Rs.20 lakhs. How to rectify the entry through CBS?
a)
Generate 'Cash Replenishment Correction' entry for Rs.10 lakhs
b)
Generate 'Excess Cash Found' entry for Rs.10 lakhs at ATM and credit the 3199845 ATM Excess Cash Found Account with Rs.10 lakhs
c)
Generate 'Cash Replenishment Correction' entry for Rs.30 lakhs and generate a new 'Cash Replenishment' entry for Rs.20 lakhs
d)
Generate 'Admin Decrease' entry for Rs.10 lakhs at ATM and credit the 3199843 ATM Admin Decrease Account with Rs.10 lakhs
8.
Ms. Vishnupriya, Branch Manager was verifying the Audit BGL Account Report. Her branch is having two onsite ATMs. She found that, there was a Debit Balance of Rs.10,000/- in ATM Excess Cash Found Account. What is the action to be initiated?
a)
Ask the joint custodians to credit the cash immediately to 3199845 Account and ask for explanation for not depositing the cash the previous day
b)
Ask the Service Manager to reverse the transaction immediately.
c)
Ask the reason from both the Joint Custodians for not depositing at the branch, the excess cash found at ATM
d)
Report the matter to Controlling Authority and seek guidance.
9.
Ms. Padmaja, Branch Manager was verifying the Audit BGL Account Report. Her branch is having two onsite ATMs. She found that, there was a Debit Balance of Rs.1,00,000/- in ATM Admin Decrease Account 3199843. What is the action to be initiated?
a)
Ask the Service Manager to reverse the transaction immediately.
b)
Ask the joint custodians to credit the cash relating to 'Admin Decrease' to BGL 3199843 ATM Admin Decrease Account and ask for explanation for not depositing the cash at branch
c)
Ask the reason from both the Joint Custodians for not depositing at the branch, the 'Admin Decrease' amount at the branch
d)
Report the matter to Controlling Authority and seek guidance.
10.
Ms. Bindu, Branch Manager was verifying the Audit BGL Report. Her branch is having four onsite ATMs. She found that, there was a Debit Balance of Rs.6,000/- in ATM Excess Cash Found Account 3199845 and Credit Balance of Rs.6,000/- in ATM Excess Cash Account 3199844 with the same Journal Numbers. What is the action to be initiated?
a)
Reverse the debit entry outstanding in BGL 3199845 account with credit balance available in BGL 3199844 account
b)
Ask the Jt. Custodians to remit the excess cash found, for Credit of BGL 3199845 ATM Excess Cash Found A/C immediately
c)
Ask the GITC through service desk request, to reverse the entries in both the accounts
d)
Report the matter to Controlling Authority and seek guidance.
11.
What is the formula for reconciling the ATM Transactions?
a)
Physical cash must be tallied with Admin Balance
b)
Admin Balance must be tallied with BGL 3198 Balance
c)
Physical cash, Admin Balance and BGL 3198 balance must tally with one another
d)
Reconciliation of ATM transactions is entirely the responsibility of ATM Switch Centre (ASC)
12.
If at the end of the day, if you notice balance in BGL 3199842 ATM Cash Intermediate Account, what will it denote?
a)
Cash withdrawn for ATM replenishment, is fully utilised
b)
Cash withdrawn for ATM replenishment, is not fully utilised
c)
Excess Cash Found in ATM is not credited to BGL Account at the Branch
d)
Short Cash report through ATM Screen is to be recovered.
13.
If at the end of the day, if you notice balance in BGL 3199843 ATM Admin Decrease Account, what will it denote?
a)
ATM transactions are not reconciled.
b)
Admin Balance is not tallied
c)
ATM transactions are not reconciled and cash relating to Admin Decrease transaction is not deposited at the branch.
d)
Physical Cash is short at ATM.
14.
After invoking the "Evacuation" option through CDM, what is to be ensured?
a)
Cash is to be deposited for credit of CP Admin Decrease Account 4599270
b)
The Debit Balance in BGL 4599270 CP Admin Decrease Account shall be equal to the physical Cash evacuated from CDM.
c)
After cash deposit, balance in BGL Cash Point Cash Balance Account is zero.
d)
All the options are correct.
15.
If you find cash shortage in one of the ATM operated by CIT vendor, how do you reconcile the outstanding amount in the BGL 4599274 ATM Short Cash Account ?
a)
Recovering the amount from CIT vendor's account
b)
Recovering the amount from the custodian of CIT vendor
c)
Reverse the entry in BGL 4599274 by debiting IBTS against concerned LHO.
d)
Write off the entry after 90 days
16.
Mr. Soni, standing before the ATM and attempting the transaction. But another person entered the ATM room and stood beside Mr. Soni. He is trying to look at ATM monitor from sideways. Mr. Soni is worried, that his account details may be compromised through Video Display Monitor. As a Banker how can you dispense the fears of Mr. Soni?
a)
VDM will not display Account Number
b)
VDM will not display the PIN
c)
VDM has a privacy filter which ensures that only person standing in front of the ATM only able to see the display
d)
watchman should be posted at ATM to ensure that only one customer enters ATM kiosk at a time.
17.
A customer complaints that, he deposited cash to his father's account through CDM with 20 notes of Rs.500/- each valued Rs.10,000/- However, the CDM displayed only 19 Notes of Rs.500/- and asked for confirmation. When confirmation is given, only Rs.9,500/- has been credited to the account. The note which was not accepted was not returned by the CDM. What are the steps do you take?
a)
Convince the customer that, the CDM will never do a mistake.
b)
Take the complaint and forward to the controller
c)
Verify the CDM to find any note available in Upper Reject Bin and hand over the note to the customer
d)
Verify the Upper Reject Box and find the rejected note. If it is genuine pass a credit voucher to beneficiary's account.
18.
Mr. Das Gupta, a blind customer has been issued an ATM Debit Card at his request. Though the branch has an interactive Audio enabled ATM, Das Gupta is not sure how to input the PIN and amount to complete the transaction. What is your advice to Mr. Das Gupta.
a)
Take help of his close relative to enter the PIN
b)
The PIN entering PAD is braille enabled
c)
Do not use ATM Debit Card
d)
ATM CARD shall not be issued to a blind customer
19.
While verifying the Upper Reject Box of CDM you found 2 notes of Rs.500 notes. After scrutiny you found that they are genuine. What is your response?
a)
Credit the amount to the Sundry Deposit Account
b)
Credit the amount to the Customer's account as per the eJ Log
c)
Report as excess cash through CDM Screen
d)
Reported as counterfeit notes
20.
Mrs. Laxmi, a cybercrime expert, worried to use the ATM because, PIN Pads may carry key loggers, which will collect the PIN information of the customers. How do you convince her?
a)
PIN pads are normally vandal proof, and they cannot be tampered with easily.
b)
Fraudster generally deploy Pin hole cameras to collect PIN not key loggers
c)
While entering the PIN we have to cover our hand with other hand
d)
Only one person has to enter into ATM kiosk at a time
21.
While verifying the Upper Reject Box of CDM you found 2 notes of Rs.500 notes. After scrutiny you found that they are counterfeit Notes. What is your response?
a)
Call the customer as per the eJ log and handover the notes
b)
Destroy the notes in the presence of joint custodian and make a suitable remark in the CDM Log Register.
c)
Enter the details in a permanent register meant for this purpose and preserve the notes to forward to the Bank's nodal Officer.
d)
File an FIR with the local police against the customer.
22.
Mr. Nagesh, Branch Manager has received a notice from the Ombudsman to submit the DVSS recording of the ATM in respect of one customer's ATM complaint. Where do you get this DVSS?
a)
CCTV footage of that transaction is to be submitted.
b)
DVSS is inbuilt in the ATM. The recording has to be extracted with the help of MS Vendor
c)
Printed eJ Log duly countersigned by the Branch Manager is to be submitted.
d)
JP Log is to be submitted.
23.
Customer has complained that, though he had attempted to withdraw cash for Rs.10000/- he could get only Rs.8000/- with 16 notes of Rs.500/-. When you verify the eJ Log it shows the transaction as successful. What is to be done to find out excess cash at ATM?
a)
Cash verification has to be done, to find out excess cash in the ATM Bins and Divert Bin.
b)
Verify Branch Log and ATM Log
c)
Verify BROS Report
d)
Verify the Divert Cassette
24.
Mr. Niraj was drawing cash transaction through an ATM. While the cash was coming out from the ATM, suddenly the power went off. Mr. Niraj was thinking that, entire cash of his withdrawal many not be dispensed because of power failure. Is Mr. Niraj's assumption is Correct or Not? What is the reason for your answer?
a)
Correct. ATM stops dispensing the cash.
b)
Correct. ATM retrieves entire cash.
c)
No. ATM is equipped with Intelligent Power Management (IPM)
d)
No. ATM Cancels the transaction.
25.
Ms. Renuka meets the Service Manager and complains about loss of ATM Debit Card. Service manager immediately accesses User Codes Screen in CBS and changes ATM Access Code from 1 to 3 and assures Ms. Renuka that, she need not worry now.Is the action taken by Ms. Renuka is appropriate?
a)
Action taken by the Service Manager is appropriate.
b)
We need not change the user codes.
c)
Service Manager would have changed the ATM Access code to 2.
d)
We have to hotlist the card immediately
26.
Ms. Kavita, an IT professional, has applied for Platinum International Debit Card, as she was about to proceed to US on her company's work. She wants to use it at US for local expenses. Today she called you and asked to inform the PIN over phone, as she is proceeding to Air Port now and does not have sufficient time to visit the branch to collect the PPK. What is the best option you can suggest to Ms. Kavita?
a)
A new PPK can be mapped to the Platinum Debit Card to the account of Ms. Kavita and convey the PIN to her over phone.
b)
Ask Ms. Kavita to send an SMS to 567676 and change the PIN at nearby ATM on the way to Airport.
c)
Access State Bank Anywhere app and create the PIN on her own
d)
Access Internet Banking and create PIN on her own
27.
Ms. Sirisha, received the Platinum International Debit card at her residence today. She has gone through the literature, how to generate a Green PIN. If she does not want to go to either to ATM, or to Branch to create PIN for the Debit Card. What is the option do you suggest?
a)
Sending SMS to 567676
b)
Calling the Contact Center
c)
Create the PIN through Internet Banking
d)
Create the PIN through State Bank Anywhere App
28.
Mr. Raj Guru tried to draw cash through an ATM. As he did not remember the PIN, after three unsuccessful attempts, when he tried to submit correct PIN for the fourth time, ATM screen displayed a message that, the Card is locked. Mr. Raj Guru approached you to generate a duplicate PIN, as his Card is locked. What the best option/ action you will suggest / take to resolve the customer's complaint?
a)
Do 'Card Activation' through DMS App
b)
Ask Mr. Raj Guru to generate Green PIN in any of the 4 methods
c)
Issue a PPK in the usual manner
d)
Ask customer to wait upto 12 am, so that the Card will be unlocked automatically.
29.
Mrs. Mathur has a Classic Card for her Savings Bank Account. She has recently has opened another Savings Bank Account with her sister jointly, operated by 'Either or Survivor'. She approaches the branch to issue a card for the new joint account. What is your advise to the customer, without making the customer to incur extra costs?
a)
Upload a request for new ATM Classic Debit Card
b)
Upload request for any other type of card
c)
Second ATM Card cannot be issued
d)
Link the new joint account to the existing ATM card.
30.
Ms. Revati, has a Classic Debit Card for her Savings Bank Account. She has recently opened another Savings Bank Account jointly with her sister, operated by 'Either or Survivor'. She approaches the branch and insists that a separate Debit Card linking the joint account is issued to her. She is ready to pay the annual maintenance charges separately for both the cards. What is your response?
a)
Upload a request for new ATM Classic Debit Card
b)
Upload request for new ATM Debit Card, other than Classic Debit Card.
c)
Second ATM Card cannot be issued to the same customer.
d)
Link the new joint account to the existing ATM card.
31.
Mr. Srinivas, an NRI recently visited India, and applied for Platinum Debit Card. He had received the card at his residence. He does not have INB facility. He was not able to created Green PIN because busy schedule during his stay. He gave an authorisation letter in favour of his wife to collect the PPK from the branch to activate the card. You have made due diligence to know the identity of his wife, and also got confirmation that the signature on the request is genuine. What is your course of action?
a)
PPK can be issued only to the card holder after due diligence.
b)
Ask the customer to collect the PPK in his next visit
c)
After mapping the PPK to the Debit Card, PPK can be handed over to the wife of the customer.
d)
Provide Internet Banking facility to the customer and ask the customer to generate Green PIN.
32.
Shri Sivakumar, Branch Manager has verified all the undelivered ATM Debit Cards held by the branch and observed that, some of the cards are lying with the branch for the past three years. What is expected of Shri Sivakumar?
a)
Communicate to the customers of the cards and request them to claim the cards immediately
b)
Hotlist such type of cards
c)
Straight away destroy these cards against suitable remarks
d)
Seek clarifications from the Controllers
33.
Ms. Prameela who is residing in UK, and having account with our Bank, has visited India and will be staying at her Indian Residence for 30 days. Now she wants a Debit Card to her account. When her account was verified, her UK address has been recorded under the CIF. What is your response?
a)
Politely refuse the request
b)
Upload the request for the ATM Card
c)
Update the Indian Address as temporary address and upload the request for ATM Card.
d)
Ask her to submit request to change her UK address to Indian address and then update the request.
34.
You have to inaugurate an e-Corner. Inauguration date is fixed. But you did not receive the CDM. You propose to install the CDM attached to the other branch, for your e-corner. What are the precautions to be taken?
a)
The BGL Account 3198 mapped with the CDM with other branch has to be closed, after reconciliation.a New BGL 3198 Account is to be opened in the new branch.
b)
CDM is to be detached from the existing branch and mapped to your branch.
c)
New vault door combination keys have to be created with the new joint custodians.
d)
All the options are correct.
35.
ATM Debit card of your customer is due for renewal in 2 months. She approaches you with a written request to issue a new Card. As a Branch Manager, what is your response?
a)
Upload the request through CBS for renewal through CBS
b)
Ask the customer to upload for new ATM Debit Card through INB.
c)
Assure the customer that the new card will be issued shortly, well before the expiry date of the existing card.
d)
Upload the request through CBS, for replacement of card.
36.
A valuable customer of your branch comes to you and informs that, yesterday night around 11.00 PM she did a withdrawal through ATM for Rs.10,000/- and the resultant balance was Rs.3,156/-. Forgetting about this transaction, within 15 minutes she swiped her Debit card at a restaurant through POS machine for Rs.5,460/- and the transaction was put through. What can be the reason for the same?
a)
ATM transaction must be unsuccessful
b)
Transaction was erroneously reversed at ATM
c)
ASC obtained information from PBF for making ATM payment, and before Rs.10000/- debited to the account by CBS the POS transaction was done.
d)
Known only when thoroughly investigated
37.
You have seen your customer holding an expired ATM Debit Card in his pocket. As a Banker what is your advice to him?
a)
Keep it in a safe place.
b)
Destroy the card immediately, by cutting across in three pieces
c)
As the card is already expired, need not take any action
d)
Hotlist the card and destroy the card.
38.
A valuable customer of your branch comes to you and informs that, previous day night around 11.00 PM he withdrew through ATM for Rs.10,000/- without verifying the balance in his account which was insufficient to do the transaction. But the transaction was successful. However, his account was not debited for the transaction. Now he is ready to credit the required amount to his account asks you to adjust the ATM transaction amount. Which Account will you Credit for reconciliation?
a)
ATM Cash Balance Account 3198
b)
ATM Cash Intermediate Account 3199842
c)
ATM Cash Disbursed, A/C Not Debited Suspense A/c 98581
d)
Account Debited Cash Not Disbursed A/c 98582
39.
Mr. Anil Kumar, aged 15 years, wanted to open a Savings Bank Account with you and also want to have a ATM Debit Card, with a daily limit of Rs.40,000/-. He maintains a standard signature. How do you deal with the request?
a)
ATM card cannot be issued to a minor.
b)
Account to be opened under 'Pehla Udaan' and issue ATM card
c)
Open a Cheque Facility Savings Bank Account and issue Classic card
d)
Open a non-cheque facility Savings Bank Account and issue Classic Card
40.
Mr. Geeta Kumar, customer holding Platinum Debit Card, complained that, a mobile phone worth Rs.40,000/- purchased online from Amazon, using the debit card, a month ago, was lost by him while dining in a restaurant, perhaps stolen by one of the employee of the restaurant. He filed an FIR but of no avail. What is the best advice you can give to him?
a)
Keep the mobile enabled with 'Tracking' option, next time
b)
Secure the mobile with screen lock with password
c)
Keep the mobile always in the pocket
d)
Ask the customer to file 'Purchase Protection' claim with the Bank
41.
Mr. Sundara Ram, having an account with our Bank, aged 60 years, had met with an accident and died. His son Mr. Ramesh came to the branch today to file claim, to settle the accounts of Mr. Sundara Ram, the deceased. While discussing the issues, Mr. Ramesh has shown a Platinum Debit Card, which was being used by Mr. Sundara Ram, when he was alive. What is the suggestion do you give to Mr. Ramesh at this juncture?
a)
Immediately hot-list the Card.
b)
Immediately destroy the Card
c)
Hot-list and destroy the card
d)
Hot-list and claim Insurance under PAI available with Platinum Card.
42.
Mr. Piyush Joshi, has informed that, his brother Ramesh had met with an accident, and his left hand was completely damaged and it may be amputed. As Mr. Ramesh is in the hospital taking treatment, Mr. Piyush came to branch to enquire the balance available in his brother's account so that Mr. Ramesh may draw a cheque to withdraw the amount through a cheque. To prove his credentials he brought his brother's account passbook and Rupay Card. What is your response?
a)
Inform the balance.
b)
Inform the balance after ascertaining the facts.
c)
Refuse to divulge the balance in the account.
d)
Call the customer to his registered mobile number and ascertain the facts and with due diligence inform the balance. Suggest him to file an Insurance claim.
43.
Mr. Srikanth Konda a SBI Exclusif customer has informed the Branch Manager over phone that, he used SBI Signature Debit Card when he was un US. While travelling back, he lost the card. He came to know about the loss of card, only when he received an SMS alert informing a Debit of Rs.55,000/- in his account. Next day, he hotlisted the card. Now he wants to know, how he can get the refund for the wrongful debit to his account. What is your response?
a)
As the customer was negligent in safekeeping the card, no refund.
b)
Accept the complaint and forward the same to controllers.
c)
Request to file a complaint with Police.
d)
File a claim to the Insurance Company under Lost Card Liability Insurance.
44.
The Service Manager of the branch, being busy has asked the cash officer to replenhish the cash in onsite ATMsingle handedly, by sharing Service Manager's combination key of the ATM Chest. What is your opinion about the same?
a)
ATM chest should be operated by both the joint custodians together.
b)
In case of emergency ATM Chest may be operated by a Single custodian.
c)
In case of emergency ATM Chest may be operated by a Single custodian and thereafter the other joint custodian has to change his/her combination key immediately.
d)
None of the options is correct.
45.
The Service Manager of the branch, being busy always, has asked the cash officer to replenhish the cash in onsite ATM single handedly, by sharing Service Manager's combination key of the ATM Chest. What is the mitigation exercise Bank has adopted now, to prevent such practices?
a)
Depute another officer along with Cash Officer, to ensure that cash is correctly replenished in the ATM.
b)
Depute another officer along with Cash Officer with Admin Card, to do Admin Increase Reporting.
c)
Controllers when visit the branches have to see the DVSS Recordings and CC Footages of the branch on sample basis, recorded during the time of cash replenishment.
d)
None of the options is correct.
46.
A Senior Messenger at X Branch knows the process of cash replenishment in ATM, to use Admin Card and to report Admin Increase and Admin Decrease transactions through ATM Screen. Can the Joint Custodians use the Services of this Senior Messenger for ATM Cash Replenishment?
a)
In case of emergency ATM Chest may be operated by a Single person, in this case the Senior Messenger.
b)
No. ATM chest should be operated only by both the joint custodians together.
c)
We can engage the services of the Senior Messenger by paying the additional allowances.
d)
None of the options is correct.
47.
A Senior Messenger at X Branch knows the process of cash replenishment in ATM, to use Admin Card and to report Admin Increase and Admin Decrease transactions through ATM Screen. Now it is a practice by the Joint Custodians of X branch to stand beside this Senior Messenger, while the Senior Messenger replenishes the cash inside the ATM, and records Admin Transactions. What is the mitigation exercise Bank has come out with, to prevent such practices?
a)
Depute another officer along with Joint Custodians, to ensure that cash is correctly replenished in the ATM.
b)
We can take the services of the Senior Messenger for keeping the cash inside the cash hoppers.
c)
Controllers when visit the branches have to see the DVSS Recordings and CC Footages of the branch on sample basis, recorded during the time of cash replenishment.
d)
None of the options is correct.
48.
Branch Manager while scrutinising the Branch Document Register has found that, sealed covers are not available, containing the combination keys of ATM Safe door. What is the course of action to be adopted?
a)
Ask the Joint custodians to separately write down the combination key, and seal them and record the same in Branch Document.
b)
Ask the joint custodians to change the combination keys immediately, and record the keys separately on a paper, keep it in a sealed cover, and record in Branch Document Register.
c)
Refer the matter to the controller for directions.
d)
None of the options is correct.
49.
Branch Manager while scrutinising the Branch Document Register has found that, sealed covers are available, containing the combination keys of ATM Safe door which are 2 months old. What is the course of action to be adopted?
a)
Ask the Joint custodians to separately write down the combination key, and seal them and record the same in Branch Document.
b)
Ask the joint custodians to change the combination keys immediately, and record the keys separately on a paper, keep it in a sealed cover, and record in Branch Document Register.
c)
Wait for another 4 months, thereafter ask the joint custodians to change the combination keys, and record them in BD Register
d)
None of the options is correct.
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