1) invest in riskier but higher yielding bonds than all the other banks 2) with part of the proceeds from #1 pay more interest than other banks 2b) optionally

1) invest in riskier but higher yielding bonds than all the other banks 2) with part of the proceeds from #1 pay more interest than other banks 2b) optionally use part of the money from #1 to give free ski trips to “influencers” like VCs in a position to recommend banks 3) watch the deposits roll in