Whenever a debit order batch is processed, Netcash is exposed to risk because of the possibility of unpaid debit orders being returned days, sometimes weeks, after the funds have been remitted to our merchant. Unlike a bank which does a detailed financial analysis to determine a potential client’s creditworthiness, Netcash opens accounts based on information provided at the time of application. Given that we are not experts in the area, we are unable to determine a business’s underlying fundamentals and, to that end, mitigate our risk exposure by requiring that personal surety be signed.