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The high interest rates that prevailed in late 1980 and 1981 resulted in a withdrawal of deposits from depositories and their reinvestment in nonbanking money market mutual funds (MMMFs). Regulation Q of the Monetary Control Act had prevented depositories from meeting the rate competition from the MMMFs. The removal of the Regulation Q rate The “Base Rate” is defined as the higher of (a) the Federal Funds Rate, as published by the Federal Reserve Bank of New York plus 1/2 of 1% and (b) the prime commercial lending rate of the Administrative Agent, as established from time to time at is principal U.S. office (which such rate is an index or base rate and will not necessarily be ... Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend.