1. Which of the following is not a factor causing a banks net interest income to change?
   1. Maturity of asset or liability
   2. Change in evaluation
   3. Change in base rate or index
   4. Contractual change in interest rate
2. Which of the following is an example of normal yield curve?
   1. 3-month rate > 10-year rate
   2. 1-year rate < 10-year rate
   3. 1-month rate < 10-year rate
   4. 6-month rate = 10-year rate