The emergency loan system is allowed if both our first team goalkeepers were to get injured, if only one got injured we'd have to go with no keeper on the bench. Chapman made the bench several times last season including the final at Wembley and the promotion run in. Would you have liked us to go in to those games with no keeper on the bench? I know I wouldn't.
Hemfrey, and Chapman before him, don't count as 'First team' keepers as neither of them have made a senior appearance. So if Viktor and Vickers were to get injured we'd still probably sign an experienced emergency loan keeper anyway with Hemfrey on the bench. Hemfrey was no more than 4th choice keeper at Stoke, he'll probably be one of, if not the, lowest paid player in our squad.
Any fee involved or was it a case of "I'm free Mr Hemfrey"?