Select Definitions

Core Deposits

• 1 Set of 3 Checking Account cards 1.50% (e.g. interest checking accounts)

• 1 Set of 4-Checking Account cards 0.00% (e.g. classic 0.00% DDA's)

• 1 Set of 4-Time Deposit cards 2.00% (e.g. local customer CD's )

Optionality

• 1 Set of 2 Low Risk Loans - 6.00% Fixed Rate (prepayment risk)

• 1 Set of 2 High Risk Loans - 7.75% Fixed Rate (prepayment risk)

• Buying Securities using the Specialists (4.50% callable bonds)

Optionality can be avoided in the simulation by selecting variable rate loans.

High-Quality-Liquid Assets

• "Normal" Securities at 4.00% (bought without using the specialist)

• All Overnight investments