Sweet terms, and then maximize profitability by selectively increasing fees and rates

Just came across this interesting post on a site called BankersOnline.com (a site for banking professionals).  As the site is organized, the post was found under a section called “Compliance Gurus.”  Obviously, these “wise guys” know what they’re doing (they’re pros at screwing, you; rhyme intended). 

Here’s a “teaser” quote (found this at the bottom of the page):

“Maximize customer intake with sweet terms, and then maximize profitability by selectively increasing fees and rates…”