When transferring a credit, the transferring bank is responsible for creating the advice of transfer in favour of the second beneficiary.

在转让信用证时，转让行有责任做出以第二受益人为受益人的转让通知。

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In the advice of transfer, where there is a 100% transfer, the transferring bank may make a modification of the rule to state that the documents are to be sent direct to the issuing bank.

在转让通知中，如果是100%的转让，转让行可以修改该规则，声明单据可直接寄送给开证行。

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Any gift-giving or transfer of assets that seniors undertake without the advice of a competent elder law and estate planning attorney can delay their eligibility when most needed.

FORBES: How Gifts Can Affect Medicaid Eligibility