Specify a list of characteristics that reflect lending in the form of an overdraft:

a) setting a credit limit, payment of settlement documents from the separate active loan account, establishing a minimum compensatory balance in the settlement account client, repayment of credit by transferring money from the client’s settlement account to the loan account;

b) lending is carried out from an active-passive account, credit is issued within the established limit, repayment of the loan is carried out according to the established schedule, wave-like nature;

c) setting a credit limit, repayment of the loan at the expense of incoming revenue to loan account, use of floating credit interest, application penalties for late loan repayment;

d) using an active-passive account, setting a credit limit, repayment of the loan by crediting the proceeds to the account, payment is allowed interest on use by the loan at the expense of borrowed funds within the free credit limit.