Predict the product of the following reaction and draw a mechanism to rationalize its formation. Include all necessary lone pairs, curved arrows, and nonzero formal charges. 
Definitions:
Fractional Reserve System
The fractional reserve system is a banking system in which banks hold reserves that are less than the amount of their customers' deposits, allowing them to lend or invest the remainder to earn interest.
Interest-Rate Ceilings
Caps set on the interest rate that can be charged on loans, often to protect consumers from excessively high rates.
Bankers
Individuals or institutions that are engaged in the business of dealing in money, providing loans, and accepting deposits.
1970s
A decade known for significant economic, political, and cultural changes worldwide, including the oil crisis and the end of the Bretton Woods system.
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