31.   He then goes on to explain that when you deposit money in your bank, the bank uses your money to make loans.

32.   He said he doubted that the merged bank would use its bulk to buy large commercial or investment banks in the United States or Europe.

33.   In general, however, banks use information provided by credit bureaus such as TRW and Equifax to target potential customers.

34.   Indeed, many banks were using very low introductory teaser rates to lure customers to switch cards.

35.   Instead, the banks use the income from loans or other transactions with Czech companies to deliver swaps.

36.   Insurance agents, on the other hand, are concerned that banks will use federal regulatory and legislative changes to circumvent state insurance regulation.

37.   Investment banks like NatWest use complex computer models to measure the day-to-day market value of the contracts and assess their risk.

38.   It was not the first time European banks had used politics to even the score in China.

39.   Japanese banks have used accounting tricks to hide unpaid debts, the foreign experts said.

40.   Japanese banks use the long-term prime rate as an index for making loans of five years or more to corporations and home buyers.