AP Spokesman Mark Seif Video Interview Oct 26

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AP offers 10% interest on account balances.

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Generally when financial institutions bump their yield on deposits well beyond market rates they are in the midst of, or anticipating, a liquidity crisis.

You will be hard pressed to generate a 10% annual yield on 30 day termed loans in even the "junkiest" of emerging markets.

Hell, the Sudanese Government might be offering a lower yield on similarly termed loans.