For dividend and coupon payable dates as well as for other cross reference purposes, a card index is usually kept of customers' securities, classified under customer's name and name of security. In other words, at the top of the card the name of a certain security would appear and on the card would appear the names of all customers who own that particular issue. In many banks these cards also bear date tabs such as January-July, February-August, indicating that the coupons or dividends are paid during those months. This enables clerks to go over the card file shortly before the maturity dates, and to pick up all cards representing securities on which coupons must be clipped. This enables the bank to send out the coupons sufficiently in advance of the maturity dates to insure regular payment.