What do you mean a 4-point spread?
12 USC 376 (section 22(e) of the Federal Reserve Act)
Interest on deposits of directors, officers, and employees
(e) No member bank shall pay to any director, officer, attorney, or employee a greater rate of interest on the deposits of such director, officer, attorney, or employee than that paid to other depositors on similar deposits with such member bank.
[12 USC 376. As added by act of June 21, 1917 (40 Stat. 240); and amended by act of Sept. 26, 1918 (40 Stat. 971), which completely revised this section.]
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