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Bond Indenture - the legal contract that Sinking Fund Provision - requirement
specifies the rights and obligations of the that the issuer retire a certain amount of
bond issuer and the bondholders. the bonds issue each year.
Other loans - include a wide variety of Up-front Fee - The fee charged for
borrowers and types such as loans to making funds available through a loan
nonbank financial institutions, state and commitment.
local governments, foreign banks, and
sovereign governments. Commitment Fee - The fee charged on
the unused component of a loan
Net Write-offs - Actual loan losses less commitment.
loan recoveries.
Other Savings Deposits - All savings Loans Sold - Loans originated by the
bank and then sold to other investors that
accounts other than MMDAs.
can be returned to the originating
Retail CDs - Time deposits with a face institution.
value below $100,000.
Recourse - The ability to put an asset or
Wholesale CDs - Time deposits with a loan back to the seller should the credit
face value of $100,000. quality of that asset deteriorate.