answer: Mr. Hayes comes to make a withdrawal. #Person1# suggests withdrawing from his Current Account instead of Time Deposit, but Mr. Hayes can't do it.
documents: #Person1#: Are you here to make a deposit Mr. Hayes?
  #Person2#: No, Nancy, today I'm here to make a withdrawal. I made a formal request 7 days ago.
  #Person1#: You want to withdraw on your Time Deposit, right?
  #Person2#: That's correct. But before I do, I was wondering if you could give me some advice.
  #Person1#: Of course, Mr. Hayes. That's what I'm here for. What would you like to know?
  #Person2#: Maybe I'm making a big mistake cashing in my Time Deposit before maturity.
  #Person1#: This bank charges you 6 months interest as a penalty if you withdraw before maturity. Would it be possible to take the money from your Current Account, for example?
  #Person2#: No, not really. My Current Account is for cash flow and couldn't withstand having all of that money taken from it.