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If an otherwise accessible resource, either liquid or non-liquid, is used as collateral on a personal loan, the equity value of that resource is counted as a resource. RESTITUTION: Restitution made to ALEUTS relocated during World War II as per the Civil Liberties Act of 1988 is excluded. Restitution to individuals of JAPANESE ancestry interned during World War II as per the Civil Liberties Act of 1988 is excluded. Restitution to individuals because of their status as victims of Nazi Persecution under P.L. 103-286 is excluded. SAFETY DEPOSIT BOX: There is no requirement to view the contents of an individual's safety deposit box. It is appropriate to ask what the contents are and request necessary verification. List the contents in CHIMES. SALE OF A RESOURCE: If a resource is sold and payment is received in a lump sum, it remains a resource. If installment payments are made, the payments are income in the month received and are not counted as a resource until the month following receipt. SAVINGS ACCOUNT: Savings account is countable. If the current month's income is deposited into the account, the income is excluded as a resource the month received when determining the current value of the savings account. SAVINGS OFFER SUCCESS (SOS): Matching award payments by Rural Opportunities Incorporated (ROI) to individuals participating in a Savings Offer Success program are excluded. EXCEPTION: Money deposited into a personal savings account is considered a resource. After the program is completed, the matching award is excluded as income and as a resource as a vendor payment. SECURITY DEPOSITS: Security deposits on rental property or utilities are excluded. The exclusion applies to both landlords and tenants. SPINA BIFIDA: Payments to children of Vietnam veterans for disabilities resulting from spina bifida (P.L. 104-204) are excluded. STOCKS: Stocks and mutual fund shares are countable.