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Identify the INCORRECT statement regarding the income of ADls from intermediation. ADls earn an interest-rate margin. ADis also earn fees from their activities as intermediaries.

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Identify the INCORRECT statement regarding the income of ADls from intermediation. ADls earn an interest-rate margin. ADis also earn fees from their activities as intermediaries. ADIs fees include account servicing fees and credit card fees. The net interest margin of ADls has increased over the last 15 years

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