1) Although just recently graduated from high school, Sandy Pierce has had a savings account with Edison Bank for several years. She came in recently to open a checking account and mentioned that she would be spending the summer with her aunt, who lives in another state. Sandy asked Jill Jones, her banker, if she might have problems using her checks out-of-state. What products should Jill recommend? What benefits would these products provide Sandy?

What may be some other questions Jill could ask to probe for other needed loan products and services?

2) LeeAnn Ling was approved recently for a $75,000 home equity line of credit. Her custom-built solar home in Malibu is securing the credit line. Although she is still paying down a substantial mortgage on the house, her equity has increased now that there is an attractive golf course near her home. Increased equity means increased credit. LeeAnn may use the home equity line of credit to pay for the remodeling of her bathroom with a skylight, circular water filtration bath, and sauna.

How can LeeAnn get such a substantial line of credit? Besides home improvements, what other uses might LeeAnn have for the line of credit?

3) Calvin Blanco has recently moved to Fleetwood Community Bank from the competitor, Maple Tree Bank, down the street. He has most of his deposit accounts there, although his mortgage is with another bank. He recently received a preapproved offer for a credit card from Fleetwood. He said that he has two or three other credit cards, but he really wants more credit to pay income taxes. Most of his savings are tied up in certificates of deposit and annuities, which he views as long-term investments.

What should Calvin's banker recommend as a solution? What might be some of the benefits?