097\Distro\pkg\mobiles\brainAI\bundled\banker\listen.src
Line 75
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ConsumeSubstance(bank_box, GetObjTypeByName("GoldCoin"), amount);
CreateItemInBackPack(who, "GoldCoin", amount);
I think there's room for a cheat here. The result of ConsumeSubstance() shoudl be checked before creating the gold in the backpack. At line 71 CheckGoldAmount(npc, bank_box, amount) checks if the gold is available in the bank box, but even if it's available at that time, it doesn't mean it will be still available at the time ConsumeSubstance() is executed. I didn't test this honestly