Machine learning with R: expert techniques for predictive modeling

Content: Machine generated contents note: 1.1. What is an insured depository institution? / Laura R. Biddle / Richard A. Schaberg --
1.2. Is a financial institution the same as an IDI? / Laura R. Biddle / Richard A. Schaberg --
1.2.1. What is the \"business of banking\"? / Laura R. Biddle / Richard A. Schaberg --
1.2.2. Why is the business of banking highly regulated in the United States? / Laura R. Biddle / Richard A. Schaberg --
1.3. What is a charter? / Laura R. Biddle / Richard A. Schaberg --
1.3.1. What different types of charters are available? / Laura R. Biddle / Richard A. Schaberg --
1.3.2. What factors are involved in choosing one type of charter over another? / Laura R. Biddle / Richard A. Schaberg --
1.4. What is a bank? / Laura R. Biddle / Richard A. Schaberg --
1.5. What are CEBA banks? / Laura R. Biddle / Richard A. Schaberg --
1.6. What are the types of CEBA banks? / Laura R. Biddle / Richard A. Schaberg --
1.7. What is a national bank? / Laura R. Biddle / Richard A. Schaberg --
1.8. Who regulates national banks? / Laura R. Biddle / Richard A. Schaberg --
1.9. Do national bank activities enjoy preemption from state law? / Laura R. Biddle / Richard A. Schaberg --
1.10. What activities are permissible for national banks to engage in directly? / Laura R. Biddle / Richard A. Schaberg --
1.11. What activities may national banks engage in through a subsidiary? / Laura R. Biddle / Richard A. Schaberg --
1.12. In what activities may a national bank\'s financial subsidiary engage? / Laura R. Biddle / Richard A. Schaberg --
1.13. What types of investments may national banks make? / Laura R. Biddle / Richard A. Schaberg --
1.14. What types of IDIs may be state chartered? / Laura R. Biddle / Richard A. Schaberg --
1.15. What is a state member bank? / Laura R. Biddle / Richard A. Schaberg --
1.16. What is the Federal Reserve System? / Laura R. Biddle / Richard A. Schaberg --
1.17. Who regulates state member banks? / Laura R. Biddle / Richard A. Schaberg --
1.18. Can a national bank be a member of the Federal Reserve System? / Laura R. Biddle / Richard A. Schaberg --
1.19. What is a state nonmember bank? / Laura R. Biddle / Richard A. Schaberg --
1.20. Who regulates state nonmember banks? / Laura R. Biddle / Richard A. Schaberg --
1.21. Why would a bank choose (not) to be a member of the Federal Reserve System? / Laura R. Biddle / Richard A. Schaberg --
1.22. What activities are permissible for state banks? / Laura R. Biddle / Richard A. Schaberg --
1.23. What is a bank service company? / Laura R. Biddle / Richard A. Schaberg --
1.24. Are bank service companies regulated and examined like IDIs? / Richard A. Schaberg / Laura R. Biddle --
1.25. Are companies that perform these same services for banks subject to regulation and examination? / Laura R. Biddle / Richard A. Schaberg --
1.26. What is a bank holding company? / Laura R. Biddle / Richard A. Schaberg --
1.27. What is a \"company\"? / Laura R. Biddle / Richard A. Schaberg --
1.28. Can a natural person be a BHC? / Laura R. Biddle / Richard A. Schaberg --
1.29. What is \"control\" for purposes of the BHC Act? / Laura R. Biddle / Richard A. Schaberg --
1.30. Who regulates BHCs? / Laura R. Biddle / Richard A. Schaberg --
1.30.1. What does it mean for a BHC to serve as a \"source of strength\" to its IDI subsidiaries? / Laura R. Biddle / Richard A. Schaberg --
1.30.2. What happens if a BHC fails to serve as a source of strength? / Laura R. Biddle / Richard A. Schaberg --
1.31. What types of activities are permissible for a BHC? / Laura R. Biddle / Richard A. Schaberg --
1.31.1. Which activities are considered to be \"so closely related to banking as to be a proper incident thereto\"? / Laura R. Biddle / Richard A. Schaberg --
1.32. Is a bank holding company permitted to own a thrift as well as a bank? / Laura R. Biddle / Richard A. Schaberg --
1.33. What is a financial holding company? / Laura R. Biddle / Richard A. Schaberg --
1.34. What benefits does FHC status provide a BHC? / Laura R. Biddle / Richard A. Schaberg --
1.35. What steps must a BHC take in order to qualify as a FHC? / Laura R. Biddle / Richard A. Schaberg --
1.36. Who regulates FHCs? / Laura R. Biddle / Richard A. Schaberg --
1.37. What are the consequences of a FHC failing to meet the well capitalized and well managed standards? / Laura R. Biddle / Richard A. Schaberg --
1.38. What are the consequences of a subsidiary IDI failing to maintain the required CRA rating? / Laura R. Biddle / Richard A. Schaberg --
1.39. Are there any downsides to being a FHC? / Laura R. Biddle / Richard A. Schaberg --
1.40. What types of activities can FHCs engage in that other BHCs cannot? / Richard A. Schaberg / Laura R. Biddle --
1.40.1. What activities are \"financial in nature\"? / Laura R. Biddle / Richard A. Schaberg --
1.40.2. Can additional activities be added to the list of activities that are \"financial in nature\"? / Laura R. Biddle / Richard A. Schaberg --
1.40.3. What activities are complementary to a financial activity? / Laura R. Biddle / Richard A. Schaberg --
1.41. What is a thrift? / Laura R. Biddle / Richard A. Schaberg --
1.42. Can a thrift be federally chartered or state chartered? / Laura R. Biddle / Richard A. Schaberg --
1.43. Who regulates thrifts? / Laura R. Biddle / Richard A. Schaberg --
1.44. Why choose to be a thrift versus a bank? / Laura R. Biddle / Richard A. Schaberg --
1.45. What types of activities are permissible for thrifts? / Laura R. Biddle / Richard A. Schaberg --
1.46. What is a savings and loan holding company? / Laura R. Biddle / Richard A. Schaberg --
1.46.1. What is a \"company\" under the HOLA? / Laura R. Biddle / Richard A. Schaberg --
1.46.2. What is \"control\" under the HOLA? / Laura R. Biddle / Richard A. Schaberg --
1.47. Will a holding company that owns both a bank and a thrift be considered a BHC or a SLHC? / Laura R. Biddle / Richard A. Schaberg --
1.48. Who regulates SLHCs? / Richard A. Schaberg / Laura R. Biddle --
1.49. What is the practical difference between a BHC and a SLHC? / Laura R. Biddle / Richard A. Schaberg --
1.50. What is the 10(1) election? / Laura R. Biddle / Richard A. Schaberg --
1.51. What types of activities are permissible for SLHCs? / Laura R. Biddle / Richard A. Schaberg --
1.52. What is a foreign banking organization? / Laura R. Biddle / Richard A. Schaberg --
1.53. Who regulates FBOs? / Laura R. Biddle / Richard A. Schaberg --
1.54. What is a qualifying foreign banking organization? / Laura R. Biddle / Richard A. Schaberg --
1.55. Are domestic IDIs permitted to operate internationally? / Laura R. Biddle / Richard A. Schaberg --
1.56. Can domestic IDIs engage in the same activities internationally as they can domestically? / Laura R. Biddle / Richard A. Schaberg --
1.57. Who regulates the international activities of domestic IDIs? / Laura R. Biddle / Richard A. Schaberg --
1.58. What is the process for one type of IDI to convert to another type? / Laura R. Biddle / Richard A. Schaberg --
1.59. How does a credit union convert to a bank? / Laura R. Biddle / Richard A. Schaberg --
1.59.1. Can a bank or thrift convert to a credit union? / Laura R. Biddle / Richard A. Schaberg --
1.59.2. Why would an IDI want to convert to a credit union? / Laura R. Biddle / Richard A. Schaberg --
1.60. What is a mutual-to-stock conversion? / Laura R. Biddle / Richard A. Schaberg --
1.60.1. Why choose a mutual-to-stock conversion? / Laura R. Biddle / Richard A. Schaberg --
1.61. What is a minority stock mutual holding company conversion? / Laura R. Biddle / Richard A. Schaberg --
1.61.1. Why choose a minority stock MHC conversion? / Laura R. Biddle / Richard A. Schaberg --
1.61.2. What is a second-step conversion? / Laura R. Biddle / Richard A. Schaberg --
1.61.3. What is a no-stock MHC reorganization? / Laura R. Biddle / Richard A. Schaberg --
2.1. What is a branch? / Laura R. Biddle --
2.2. What is considered a \"branch\" of a national bank? / Laura R. Biddle --
2.3. What is considered a \"branch\" of a federal savings association? / Laura R. Biddle --
2.4. What is considered a \"branch\" of a state insured depository institution? / Laura R. Biddle --
2.5. Where are national banks allowed to branch? / Laura R. Biddle --
2.6. Where are state member banks allowed to branch? / Laura R. Biddle --
2.7. Where are state nonmember banks allowed to branch? / Laura R. Biddle --
2.8. Where are federal savings associations allowed to branch? / Laura R. Biddle --
2.9. Is regulatory approval required before opening a branch? / Laura R. Biddle --
2.10. Is regulatory approval required before moving a branch? / Laura R. Biddle --
2.11. Is regulatory approval required before closing a branch? / Laura R. Biddle --
2.12. Can branches operate under trade names? / Laura R. Biddle --
3.1. What corporate governance requirements apply to an IDI or its holding company? / Richard A. Schaberg / Nathaniel D. DeRose --
3.2. Can an IDI or IDI holding company organize in the state whose corporate laws it wants to use? / Richard A. Schaberg / Nathaniel D. DeRose --
3.3. Are IDIs or IDI holding companies subject to the Sarbanes-Oxley Act of 2002? / Richard A. Schaberg / Nathaniel D. DeRose --
3.4. Is there a required number of directors or officers an IDI or holding company must have? / Richard A. Schaberg / Nathaniel D. DeRose --
3.5. Do new directors or officers need to be approved by regulators? / Richard A. Schaberg / Nathaniel D. DeRose Note continued: 3.6. Do regulators need to be notified whenever a director or officer resigns? / Richard A. Schaberg / Nathaniel D. DeRose --
3.7. What does it mean for a director to be \"independent\"? / Richard A. Schaberg / Nathaniel D. DeRose --
3.7.1. Is there a requirement that a certain number of directors be \"independent\" directors? / Richard A. Schaberg / Nathaniel D. DeRose --
3.8. Are there prohibitions against management officials serving at more than one IDI or IDI holding company? / Richard A. Schaberg / Nathaniel D. DeRose --
3.8.1. What is a \"management official\" for purposes of the DIMIA? / Richard A. Schaberg / Nathaniel D. DeRose --
3.9. Are there exemptions from the prohibition against interlocks? / Richard A. Schaberg / Nathaniel D. DeRose --
4.1. What restrictions apply to compensation paid to executives by insured depository institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.2. What restrictions apply to compensation paid to executives by IDI holding companies? / Christian H. Chandler / Margaret R. McIntyre --
4.3. What restrictions apply to severance benefits paid by IDIs to executives? / Christian H. Chandler / Margaret R. McIntyre --
4.4. What restrictions apply to severance benefits paid by IDI holding companies to executives? / Christian H. Chandler / Margaret R. McIntyre --
4.5. What are the Interagency Guidelines Establishing Standards for Safety and Soundness? / Christian H. Chandler / Margaret R. McIntyre --
4.6. What institutions must comply with the executive compensation provisions of the Interagency Guidelines? / Christian H. Chandler / Margaret R. McIntyre --
4.7. What safeguards should institutions subject to the Interagency Guidelines establish and maintain regarding compensation, fees, and benefits? / Christian H. Chandler / Margaret R. McIntyre --
4.8. When is compensation considered excessive? / Christian H. Chandler / Margaret R. McIntyre --
4.8.1. What institutions are considered comparable institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.9. What additional considerations should institutions consider regarding postemployment benefits? / Christian H. Chandler / Margaret R. McIntyre --
4.10. What restrictions apply to incentive compensation arrangements at banking organizations? / Christian H. Chandler / Margaret R. McIntyre --
4.11. What incentive compensation arrangements are subject to the Guidance on Sound Incentive Compensation Policies? / Christian H. Chandler / Margaret R. McIntyre --
4.12. What internal reviews should banking organizations perform to ensure compliance with the Guidance on Sound Incentive Compensation Policies? / Christian H. Chandler / Margaret R. McIntyre --
4.13. What role will findings regarding incentive compensation play in a banking organization\'s supervisory and examination process? / Christian H. Chandler / Margaret R. McIntyre --
4.14. What factors should be considered in determining whether incentive compensation arrangements balance risk-taking incentives? / Christian H. Chandler / Margaret R. McIntyre --
4.15. Under what circumstances is an incentive compensation arrangement considered to have balanced risk and financial results? / Christian H. Chandler / Margaret R. McIntyre --
4.16. What risks should a banking organization consider in assessing whether compensation arrangements are balanced? / Christian H. Chandler / Margaret R. McIntyre --
4.17. How can an unbalanced incentive compensation arrangement be moved toward balance? / Christian H. Chandler / Margaret R. McIntyre --
4.18. How should banking organizations account for the differences between Covered Employees within a banking organization and at different banking organizations? / Christian H. Chandler / Margaret R. McIntyre --
4.19. What factors should banking organizations consider regarding the potential for \"golden parachutes\" and the vesting arrangements for deferred compensation to affect the risk-taking behavior of Covered Employees? / Christian H. Chandler / Margaret R. McIntyre --
4.20. How should a banking organization\'s risk management processes and internal controls reinforce and support the development and maintenance of balanced incentive arrangements? / Christian H. Chandler / Margaret R. McIntyre --
4.21. How should banking organizations document their controls for establishing and monitoring incentive compensation arrangements? / Christian H. Chandler / Margaret R. McIntyre --
4.22. What steps should banking organizations take to ensure that they have strong corporate governance? / Christian H. Chandler / Margaret R. McIntyre --
4.23. What role should the board of directors of a banking organization play in monitoring the banking organization\'s incentive compensation arrangements? / Christian H. Chandler / Margaret R. McIntyre --
4.24. What disclosure practices support safe and sound incentive compensation arrangements? / Christian H. Chandler / Margaret R. McIntyre --
4.25. How does the Dodd-Frank Wall Street Reform and Consumer Protection Act impact executive compensation at financial institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.26. What types of compensation are subject to a shareholder vote under the Dodd-Frank Act? / Christian H. Chandler / Margaret R. McIntyre --
4.27. What requirements are applicable to shareholder votes regarding executive compensation? / Christian H. Chandler / Margaret R. McIntyre --
4.28. What requirements are applicable to shareholder votes regarding golden parachutes? / Christian H. Chandler / Margaret R. McIntyre --
4.29. Are companies required to disclose the results of the non-binding shareholder votes provided for under the Dodd-Frank Act? / Christian H. Chandler / Margaret R. McIntyre --
4.30. Where and under what circumstances must companies disclose the results of say-on-pay votes? / Christian H. Chandler / Margaret R. McIntyre --
4.31. Where and under what circumstances must companies disclose the results of say-on-frequency votes? / Christian H. Chandler / Margaret R. McIntyre --
4.32. Are the shareholder votes required by the Dodd-Frank Act binding on the company or its board of directors? / Christian H. Chandler / Margaret R. McIntyre --
4.33. How has the Dodd-Frank Act expanded the executive compensation disclosures that must appear in a public company\'s proxy materials? / Christian H. Chandler / Margaret R. McIntyre --
4.34. What policies must public companies develop with respect to the recovery of erroneously-awarded compensation (\"clawbacks\")? / Christian H. Chandler / Margaret R. McIntyre --
4.35. What disclosure is required regarding hedging activity by public company employees and directors? / Christian H. Chandler / Margaret R. McIntyre --
4.36. Under what circumstances will a public company compensation committee be considered independent? / Christian H. Chandler / Margaret R. McIntyre --
4.37. Does the Dodd-Frank Act require that public companies retain independent compensation consultants or other compensation committee advisers? / Christian H. Chandler / Margaret R. McIntyre --
4.38. What factors regarding independence must a public company compensation committee consider in choosing to retain a compensation consultant, legal counsel, or other advisers? / Christian H. Chandler / Margaret R. McIntyre --
4.39. Does a public company compensation committee\'s retention of a compensation consultant, legal counsel, or other advisers subject it to any disclosure requirements? / Christian H. Chandler / Margaret R. McIntyre --
4.40. Are certain financial institutions subject to additional requirements under the Dodd-Frank Act? / Christian H. Chandler / Margaret R. McIntyre --
4.41. What additional requirements does the Dodd-Frank Act impose on all covered financial institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.42. What further requirements apply to larger covered financial institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.43. What restrictions does the proposed rule impose on incentive-based compensation for executive officers at larger covered financial institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.44. What restrictions does the proposed rule impose on incentive-based compensation for individuals other than executive officers at larger covered financial institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.45. What restrictions on IDI and holding company executive compensation are imposed by the Sarbanes-Oxley Act? / Christian H. Chandler / Margaret R. McIntyre --
4.46. What personal loans and extensions of credit from public companies to executive officers and directors are prohibited under the Sarbanes-Oxley Act? / Christian H. Chandler / Margaret R. McIntyre --
4.47. What \"clawbacks\" are required under the Sarbanes-Oxley Act? / Christian H. Chandler / Margaret R. McIntyre --
4.48. What restrictions are imposed by the banking regulators on the indemnification of directors and officers of IDIs and their holding companies? / Christian H. Chandler / Margaret R. McIntyre --
4.48.1. What indemnification payments may IDIs and their holding companies make or agree to make? / Christian H. Chandler / Margaret R. McIntyre --
4.49. What federal bank regulatory agencies impose restrictions on savings associations\' compensation practices? / Christian H. Chandler / Margaret R. McIntyre --
4.50. What restrictions does the OCC currently impose on savings associations looking to enter into employment agreements or other compensation arrangements with officers or employees? / Christian H. Chandler / Margaret R. McIntyre Note continued: 4.51. Do these OCC restrictions apply to compensation arrangements between a holding company and a holding company executive? / Christian H. Chandler / Margaret R. McIntyre --
4.52. What terms of employment agreements are presumed unsafe and unsound\" compensation practices by the OCC? / Christian H. Chandler / Margaret R. McIntyre --
4.52.1. What compensation arrangements are generally considered to provide incentives contrary to the safe and sound operation of a savings association? / Christian H. Chandler / Margaret R. McIntyre --
4.52.2. How are total compensation and average annual compensation calculated for purposes of the general presumption that total compensation paid out upon the departure of an employee should not exceed three times the employee\'s average annual compensation? / Christian H. Chandler / Margaret R. McIntyre --
4.53. What is the most executive-friendly manner in which the term of an employment contract may be structured under OCC restrictions and what practical steps must institutions take to comply with this structure? / Christian H. Chandler / Margaret R. McIntyre --
4.54. Are any provisions required to be included in employment contracts subject to OCC jurisdiction? / Christian H. Chandler / Margaret R. McIntyre --
4.55. What compensation programs for independent directors are considered not to be commensurate with the duties of an independent director or are considered to jeopardize the independence of an independent director? / Christian H. Chandler / Margaret R. McIntyre --
4.56. Is OCC approval required prior to an OCC regulated savings institution entering into a merger, consolidation, transfer of assets, or assumption of liabilities and, if so, what information must be provided to the OCC? / Christian H. Chandler / Margaret R. McIntyre --
4.57. How will compensation of officers, directors, and controlling persons of the disappearing savings institution by the resulting savings institution or an affiliate be reviewed for purposes of the application for a merger, consolidation, transfer of assets, or assumption of liabilities? / Christian H. Chandler / Margaret R. McIntyre --
4.58. How will compensation of members of an advisory board of the resulting savings association that consists of officers, directors, or controlling persons of the disappearing institution be reviewed for purposes of the application for a merger, consolidation, transfer of assets, or assumption of [ect.] / Christian H. Chandler / Margaret R. McIntyre --
4.59. What federal regulatory agency reviews stock benefit plans of de novo institutions and what types of benefit plans does it examine? / Christian H. Chandler / Margaret R. McIntyre --
4.60. Will the FDIC review stock benefit plans of a de novo holding company? / Christian H. Chandler / Margaret R. McIntyre --
4.61. How must stock benefit plans be disclosed to potential subscribers and the FDIC? / Christian H. Chandler / Margaret R. McIntyre --
4.62. Are stock benefit plans that include a cash payment to the recipient based directly on the market value of the depository institution\'s stock permissible? / Christian H. Chandler / Margaret R. McIntyre --
4.63. What other FDIC restrictions apply to stock benefit plans at de novo institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.64. What rights are generally considered to encourage the recipient to remain involved in the proposed depository institution? / Christian H. Chandler / Margaret R. McIntyre --
4.65. Who can participate in stock benefit plans of de novo institutions? / Christian H. Chandler / Margaret R. McIntyre --
4.66. Does the FDIC look more closely at stock benefit plans that provide benefits to incorporators? / Christian H. Chandler / Margaret R. McIntyre --
4.66.1. Are these standards applied differently if the incorporator has placed funds at risk or rendered professional services? / Christian H. Chandler / Margaret R. McIntyre --
4.66.2. Are these standards applied differently if the incorporator has guaranteed a loan to finance the institution\'s organization? / Christian H. Chandler / Margaret R. McIntyre --
4.67. What entities are subject to Troubled Asset Relief Program restrictions? / Christian H. Chandler / Margaret R. McIntyre --
4.68. What entities related to a TARP recipient are subject to TARP restrictions? / Christian H. Chandler / Margaret R. McIntyre --
4.69. What about entities that acquire a TARP recipient? / Christian H. Chandler / Margaret R. McIntyre --
4.70. How long are TARP restrictions in place? / Christian H. Chandler / Margaret R. McIntyre --
4.71. What executive compensation and corporate governance restrictions apply to TARP recipients? / Christian H. Chandler / Margaret R. McIntyre --
4.72. Which employees of a TARP recipient are subject to the executive compensation limits? / Christian H. Chandler / Margaret R. McIntyre --
4.73. Who are a TARP recipient\'s senior executive officers? / Christian H. Chandler / Margaret R. McIntyre --
4.74. Who are a TARP recipient\'s most highly compensated employees? / Christian H. Chandler / Margaret R. McIntyre --
4.75. What rules govern the formation, structure, and duties of the compensation committee? / Christian H. Chandler / Margaret R. McIntyre --
4.76. What steps must the compensation committee take to limit compensation plan features that create unnecessary or excessive risk? / Christian H. Chandler / Margaret R. McIntyre --
4.77. What steps must the compensation committee take to limit compensation plan features that encourage the manipulation of reported earnings? / Christian H. Chandler / Margaret R. McIntyre --
4.78. How does the compensation committee comply with the certification and disclosure requirements? / Christian H. Chandler / Margaret R. McIntyre --
4.79. What rules govern the definition and implementation of the excessive or luxury expenditures policy? / Christian H. Chandler / Margaret R. McIntyre --
4.80. What rules govern the shareholder vote on executive compensation? / Christian H. Chandler / Margaret R. McIntyre --
4.81. What bonus payments must a TARP recipient prohibit? / Christian H. Chandler / Margaret R. McIntyre --
4.82. Which officers and employees are subject to the prohibition on bonus payments? / Christian H. Chandler / Margaret R. McIntyre --
4.83. When is a bonus payment accrued? / Christian H. Chandler / Margaret R. McIntyre --
4.84. Can an employee currently not prohibited from receiving a bonus payment receive such a payment based on services performed or compensation received while he or she was a SEO or a most highly compensated employee prohibited from receiving a bonus payment? / Christian H. Chandler / Margaret R. McIntyre --
4.85. What is a bonus? / Christian H. Chandler / Margaret R. McIntyre --
4.86. What is incentive compensation? / Christian H. Chandler / Margaret R. McIntyre --
4.87. What is a retention award? / Christian H. Chandler / Margaret R. McIntyre --
4.88. What commission compensation, excluding commission compensation earned in connection with financial products or similar services, is not considered a bonus payment? / Christian H. Chandler / Margaret R. McIntyre --
4.89. What commission compensation earned in connection with financial products or similar services is not considered a bonus payment? / Christian H. Chandler / Margaret R. McIntyre --
4.90. What exception to the bonus payment prohibition exists for awards of long-term restricted stock? / Christian H. Chandler / Margaret R. McIntyre --
4.90.1. How is annual compensation calculated for the purpose of an award of long-term restricted stock? / Christian H. Chandler / Margaret R. McIntyre --
4.90.2. What vesting schedule and restrictions on transferability must apply to the long-term restricted stock? / Christian H. Chandler / Margaret R. McIntyre --
4.91. What exception to the bonus payment prohibition exists for bonus payments required under certain pre-existing employment contracts? / Christian H. Chandler / Margaret R. McIntyre --
4.92. How does a TARP recipient comply with the requirement that it institute a \"clawback\" provision for bonus payments? / Christian H. Chandler / Margaret R. McIntyre --
4.92.1. What are material inaccuracies? / Christian H. Chandler / Margaret R. McIntyre --
4.93. What golden parachute payments must a TARP recipient prohibit? / Christian H. Chandler / Margaret R. McIntyre --
4.94. What payments are not considered golden parachutes? / Christian H. Chandler / Margaret R. McIntyre --
4.94.1. When is a payment considered for services performed or benefits accrued? / Christian H. Chandler / Margaret R. McIntyre --
4.94.2. What payments made pursuant to benefit plans and deferred compensation plans are not considered golden parachute payments? / Christian H. Chandler / Margaret R. McIntyre --
4.95. What gross-ups must a TARP recipient prohibit? / Christian H. Chandler / Margaret R. McIntyre --
4.96. What perquisites must a TARP recipient disclose? / Christian H. Chandler / Margaret R. McIntyre --
4.97. How does the Treasury Department review compliance with these restrictions? / Christian H. Chandler / Margaret R. McIntyre --
4.98. What reviews does the Special Master conduct? / Christian H. Chandler / Margaret R. McIntyre --
4.99. How does the Special Master determine compatibility with the principles of the restrictions and the public interest generally? / Christian H. Chandler / Margaret R. McIntyre --
4.100. Which TARP recipient executives must certify compliance with these restrictions and how do they do so? / Christian H. Chandler / Margaret R. McIntyre Note continued: 4.100.1. What deadlines apply to the certifications? / Christian H. Chandler / Margaret R. McIntyre --
4.100.2. What other rules govern the certifications? / Christian H. Chandler / Margaret R. McIntyre --
4.100.3. What are the penalties for an inaccurate certification? / Christian H. Chandler / Margaret R. McIntyre --
4.101. What is bank-owned life insurance? / Christian H. Chandler / Margaret R. McIntyre --
4.102. What banking institutions are subject to regulations regarding BOLL? / Christian H. Chandler / Margaret R. McIntyre --
4.103. When and under what circumstances are institutions permitted to purchase BOLL? / Christian H. Chandler / Margaret R. McIntyre --
4.104. When and under what circumstances are institutions not permitted to purchase BOLL? / Christian H. Chandler / Margaret R. McIntyre --
4.105. How is BOLL used to finance employee benefit liabilities? / Christian H. Chandler / Margaret R. McIntyre --
4.106. What should a banking institution do before entering into a BOLL contract? / Christian H. Chandler / Margaret R. McIntyre --
4.107. How do senior management and the board of directors effectively oversee a BOLL policy? / Christian H. Chandler / Margaret R. McIntyre --
4.108. What policies and procedures should be implemented as part of a comprehensive risk management procedure? / Christian H. Chandler / Margaret R. McIntyre --
4.109. What actions should be part of a thorough pre-purchase analysis of BOLL products? / Christian H. Chandler / Margaret R. McIntyre --
4.110. How should management determine and quantify the need for BOLL? / Christian H. Chandler / Margaret R. McIntyre --
4.111. What factors should management consider in assessing vendor qualifications? / Christian H. Chandler / Margaret R. McIntyre --
4.112. How should an institution review the characteristics of the available insurance products? / Christian H. Chandler / Margaret R. McIntyre --
4.113. How should an institution select a carrier? / Christian H. Chandler / Margaret R. McIntyre --
4.114. What factors should an institution consider in determining the reasonableness of compensation provided to the insured employee if the insurance results in additional compensation? / Christian H. Chandler / Margaret R. McIntyre --
4.115. What other steps should be included in an institution\'s pre-purchase analysis? / Christian H. Chandler / Margaret R. McIntyre --
4.116. What steps should an institution take to manage risk associated with BOLL? / Christian H. Chandler / Margaret R. McIntyre --
4.117. What is liquidity risk? / Christian H. Chandler / Margaret R. McIntyre --
4.118. What is transaction/operational risk? / Christian H. Chandler / Margaret R. McIntyre --
4.119. What is reputation risk? / Christian H. Chandler / Margaret R. McIntyre --
4.120. What is credit risk? / Christian H. Chandler / Margaret R. McIntyre --
4.121. What is interest rate risk? / Christian H. Chandler / Margaret R. McIntyre --
4.122. What is compliance/legal risk? / Christian H. Chandler / Margaret R. McIntyre --
4.123. What is price risk? / Christian H. Chandler / Margaret R. McIntyre --
4.124. What are the tax and insurable interest implications of BOLL and how s