To reduce risks

Productline diversification effects

Services charges on deposit accounts

Credit card service fees

Not dep. or other obligation of depsitory
institution Commitment fees
Traditional source
not by FDIC Insurance Fees on safe deposits boxes

Rental of bank property

Living trust

Testamentary trust Fee, commissions from investment banking

Irrevocable trust
C. 14. Investment services

banking insurance
Brokerage commissions
chairitable trust Trust services
Fiduciary income
Indenture trust
and other sources of Newer sources
Fee from securitization
Dynasty trust
fee income
Additional sources : consulting cust. stock
bonds trading, etc

products are not issued by the FDIC

Custommer need to know Regulations of investment
Subject to investment risk Hedge fund
products Proprietary funds offed through one of
their affiliated companies and
Mutual fund Exchange traded funds nonproprietary funds

Fixed rate

Variable rates
Annuities
Equity index annuity : combine features of
both