Which of the following source of bank funding is considered a hybrid account because though legally a deposit,it is considered as just another form of IOU?

Question

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Negotiable CDs are considered a hybrid account because they are legally deposits, but they are also a form of IOU from the bank. They have a maturity that can range from a few days to several years, and their interest rates are negotiable, making them a flexible source of funding for banks. Federal funds loans, repurchase agreements, and Eurodollar deposits are not considered hybrid accounts.

Which of the Following Source of Bank Funding Is Considered