Each depositor signs a Deposit Agreement with NordGen, acting on behalf of Norway. The maximum coverage limit is RM250,000 per depositor per member institution. Since then coverage has been limited to THB one million per depositor per bank. The item will be returned to the depositor's bank, and ultimately to the depositor. Both offshore and onshore banking centres often have depositor compensation schemes. The responsibility for maintaining the ladder falls on the depositor, not the financial institution. Every home has a bankrupt depositor or a fugitive agent. Congress temporarily raised the insurance limit to $250,000 to promote depositor confidence. Only the depositor could redeem an early gold certificate. These receipts could not be assigned (only the original depositor could collect the stored goods). This was subsequently reduced to a maximum of $1 million per depositor per ADI. It can pay off every depositor in full. The warranty is limited to R$250,000 per depositor. The amendments aimed to provide heightened depositor protection. It was amended in 2009 to allow greater freedom for the depositor.