Noted non-banking experts Adam and Jeff continue describing the steps they will take to build up a bank that is too big to fail. They regard their lack of banking experience as a solid plus and believe that through innovative contrarian actions, they can build up a bank that will be so huge that the federal government will be too terrified to let it go under in the next economic downturn lest it pull down the entire banking system. New programs designed to fatten the bottom line include a never ending debit card that enables customers to avoid the unfortunate stigma that can occur when they are standing in line at Walmart and are unable to get their debit cards to work. Another innovative program is one in which the bank pays its customers $25 for each bounced check. The bank also offers a revolutionary "lifestyle enhancement" program due to it having hired the Bank of Lithuania to process each of its customer's checks by hand, resulting in a delay in presentment of the checks that can go on for months or even years. This nearly endless float enables those with even the most modest of incomes to live like kings because their checks--regardless of the amounts--will not be presented for payment for a very long time. Jeff also describes the highly successful program in which numerous advertisers have paid a premium so that they will not be mentioned in any way on the Omaha Bugle Global News Network. This has inspired the even more ambitious program of paying people not to bank with the OBNBT which is only serving to compound the extraordinary rate of growth that the bank is now experiencing. Jeff and Adam are somewhat concerned that their lack of experience running banks into the ground will put them at a disadvantage relative to the hotshots that have managed to run the country's largest banks into the ground over and over again but they view themselves as quick learners and expect to enjoy great success in their new banking endeavor.