用于驱动应用程序的策略和业务规则（用于处理白金客户透支的规则）
The policies and business rules that are used to drive the application (rules for handling overdrafts for platinum customers)
协议中不包括花旗庞大的信用卡业务和海外放贷业务，花旗的信用卡透支拖欠情况正在迅速恶化，海外贷款也有不祥的兆头。
Absent from the arrangement are Citigroup's giant credit-card business, where defaults have been rapidly piling up, and its overseas lending operations, which also are showing signs of stress.
在2005年早期，业务部门意识到有一个新的难题，是一个有关联邦储备(Federal Reserve)的条款，该条款主要是针对明目张胆的透支制定的。
In early 2005, the business realized a new challenge as it related to a Federal Reserve regulation targeting daylight overdrafts.
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